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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am filing this complaint against Navy Federal Credit Union for mishandling my auto loan, unlawfully releasing the vehicle title without notification, and inaccurately reporting the loan on my credit report. The relevant details are as follows : Title Release Without Notification : Navy Federal Credit Union released the title of my vehicle to the State of Arizona without notifying me or providing any explanation. They claimed the title was released due to a mechanics lien, but a supervisor later admitted that no documentation of a lien exists. This action resulted in the loss of my vehicle, which served as collateral for the loan, violating federal guidelines that require proper communication and notice to borrowers under the Truth in Lending Act ( TILA ) and 15 U.S. Code 1637.

Failure to Notify : Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide timely and accurate notifications about significant loan changes, especially when collateral is involved. XXXX XXXX did not notify me of the title release or provide any opportunity to remedy the situation, as required under federal law.

Inaccurate Credit Reporting : Despite releasing the title and no longer having collateral, Navy Federal continues to report this as a secured auto loan on my credit report. This is misleading and a violation of the FCRA, as the loan no longer has the collateral tied to it.

Unprofessional Conduct : When I attempted to resolve this issue, a Navy Federal supervisor admitted they had no documentation of a mechanics lien and then abruptly ended the call, refusing further communication.

I request that Navy Federal correct the misreporting on my credit report, provide a written explanation and documentation for the title release, and remedy the loan issue since they no longer hold collateral. Additionally, I am seeking damages for the loss of my vehicle and the mishandling of the loan.
Product: Credit reporting or other personal consumer reports

I filed a complaint to XXXX XXXX and Experian asking for proof of my approval of my debt being sold to XXXX XXXX. This was was never supplied and Experian stated the information and debt was accurate. This is illegal as XXXX is not even a NY company and there is no proof of my permission to sell my debt. I need this removed from my credit report and as I asked for prior, a {$1000.00} for violating my rights. There is an open lawsuit by your company against XXXX recovery for doing exactly this.
Product: Debt collection

Pressle Felt & Washaw LLP sent a collection notice to a friends home who I have never lived with. I have never resided at this address or used this address in any capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX 's XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, Equifax, and XXXX ) all have inaccuracies still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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: Vehicle loan or lease

I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.
Product: Mortgage

- I am current on my loan ( got a deferment but paid it back ). 
- My credit history is XXXX - Yet on XX/XX/XXXX2020 I lost my job due to Covid and therefore am asking the original bank : ALLY to lower rate ; to allow me lower payments ; as every other bank is offering. 
- Applied with FULL 84 pages of documents on XXXX/XXXX/2020. As of today XXXX 2020 I Still have NO REPLY. 
- Have called in over 15 times, as " the portal all the representatives tell you to use '' does not work. So I call in and get told we NEED one more piece of documentation - over 15 times. 
- They refuse to allow you to speak or even email the underwriters. Yet while I was applying for the Original mortgage had one dedicated rep I could communicate with. 
- On XX/XX/XXXX rep told me YES they had all the documents and I would have word within 30 days. Waited till XX/XX/XXXX and called in again. Again told to go to website. Told them it does not work. He then read to me the Underwriters notes : ' that all the documentation ' was TOO OLD, I would have to start all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, XXXX XXXX Transunion. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXX Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : XXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** TransUnion : Name : XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : Transunion website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called TD Auto Finance and XXXX XXXX XXXX and they say there is noting on my name.
Product: Debt collection

I owed General Revenue {$600.00} collection from a college I didnt attend back in 2019. I agreed to a pay in full settlement of {$300.00} on XX/XX/XXXX. A week goes by it says I owe a collection of {$300.00} and Im like XXXX so I call them they tell me the account was closed I just need to wait for XXXX XXXX to update. Now 2 more weeks have passed now it says I have a missed payment and the collection is now back at {$600.00}. I tried calling over and over but was told agents were busy until I finally got through to hear someone say end call and hung up the phone on me which this happened multiple times and I grew more and more frustrated. I have a copy of the receipt they sent me where I paid for it but this company has been nothing but rude and disrespectful they whole time dealing with this stuff.
Product: Debt collection

I dont remember rhe dates.but this was maybe XXXX or XXXXi moved out of my apartment. I called this company and explaine i was moving and when.i requested the electric be turned off and it was not done.some one else moved in and used the service and when they realized that then it was shut off. i tried to get thia resolved and was told they would look into it and nevwr did.then next thing i knew it was on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed payments with TD AUTO FINANCE YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires, I asked for them to be removed, but the bureaus did not do as I asked. I am providing you with an identity theft report attached to this, and I request them to be removed. They are inaccurate and not mine.
Product: Debt collection

XXXX  XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in public housing for my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in public housing due to a shooting attempt in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if I cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?
Product: Debt collection

I received a call on XX/XX/XXXX from a XXXX XXXX from Immediate Credit Recovery trying to collect on a student loan that was from early XXXX 's that was listed on a chapter XXXX bankruptcy and was discharged XXXX, before the laws changed on ed loans, this has already been taken off my credit, this file has been sold several times so XXXX XXXX @ Immediate Credit Recovery, i advised him of the chapter XXXX and was discharged and he shall not contact me again and close out that account due to the bankruptcy. i received another call today XX/XX/XXXX from XXXX @ Immediate Credit Recovery regarding the same account, i advise him that this is the second call from their agency and was told to not contact me again due to the chapter XXXX bankruptcy, he wants to argue that this is owing and is on my credit, when it was already removed and needs to be removed asap.
Product: Checking or savings account

On XX/XX/XXXX to XX/XX/XXXX, I was involved in a scam. Over XXXX, an account posing as an artist account DM 'd me and asked if she could do a painting commission of me for free by using a picture I posted on my account. Her " client '' who funds her art would issue multiple checks to me that I would deposit into my bank account and then transfer back to her to account for her painting supplies, and for using my likeness, she offered a compensation of {$500.00}. I agreed after browsing the account, seeing multiple convincing posts of artwork. The scam worked like this : I depostied the checks into my bank account and then immediately transferred the money back to the scammer over XXXX through the Wells Fargo app. After a few days, the bank notices that these checks are fictitious and returns the money, taking out the amount from my bank account, but since I already transferred the money out to the scammer, there is none of that money left and the money is taken out from what money I originally had. In total, I depostied multiple checks worth {$3000.00} into my checking account. I am currently at around - {$2300.00}. 

On the fourth, my parents had notified me of the first few checks that were returned and I called Wells Fargo to file claims ; I also filed a police report. The customer service employee issued the claims and then told me it would be resolved within 10 business days but was so vague and did not attempt to understand what I was wanting to do. On XX/XX/XXXX, I recieved 29 letters in the mail from Wells Fargo, each individual claim letters regarding the transactions and transfers done on my account, with some saying it was sent to a differenet department. They were processed on the same day written in the top corner of each letter, and the uttter confusion of which letters corresponded to which and the results prompted me to call Wells Fargo and ask for transparancy. For almost two hours I was on call, transferred to at least XXXX different departments, only trying to find out the reasoning and updates for their report, and in the end, the department could not update me for any reasoning available. 29 letters opened and read, on call for two hours, and no explanation if Wells Fargo would help or was on my side at all. On XX/XX/XXXX, I recieved a letter for only one of multiple claims about the check deposits that concluded since the transaction was authorized, it would not be considered, as if it was not part of a major scam. 

I was affected by a major scam and asked Wells Fargo to investigate, but Wells Fargo refused to consider my complaint and supporting documents. The company was inept and unhelpful in reviewing the transactions, directing me to the proper channel for questions, and did not take into account at all the fact I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved services from XXXX XXXX XXXX XXXX, Georgia in the amount of {$150.00}. I was referred to XXXX XXXX  XXXX. I paid the entire bill on XX/XX/2020. I have a receipt of the paid bill from XXXX XXXX. I contacted XXXX  XXXX  XXXX  to inform them that the bill was paid. They said they would look into it but never responded to me. XXXX continues to report the bill as unpaid. I contacted Equifax to dispute the bill. Equifax provided me with the I instructions to dispute the bill. I provided Equifax with the information they requested. I recieved a letter from Equifax saying they can not find my file but continue to report XXXX XXXX as not paid.
Product: Payday loan

I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.
Product: Mortgage

I am looking for a good rate to refinance my home. I saw a rate of 1.75 % for 15 years with zero fees and zero points advertised by RealFi mortgage in XXXX when I searched with my loan scenario. There was an option to provide my details and the loan officer  would get in touch. XXXX XXXX - NMLS # XXXX | Company NMLS # XXXX was the loan XXXX who reached out to me from XXXXXXXX  and he was very ignorant about the advertised rate and mentioned that the 1.75 % rate would involve a {$2100.00} origination costs. The loan officer even promised the same via email. Since I was convinced by his promise I accepted for the hard enquiry on my credit score. After he pulled the credit and even when I am in exceptional credit category he provided me a loan estimate where the origination costs is {$3700.00} which is {$1600.00} more than the promised origination costs. When I enquired about it he said {$2100.00} was the discount points and there will be fees on top of it. But according to his written promise In email the origination costs which is the section A of loan estimate is {$2100.00}. This has caused my credit score to drop drastically and when I talked to his manager XXXX XXXX regarding this, he was not ready to help. I feel cheated by the XXXX lender and I would expect the consumer protection forum to intervene in this and provide an appropriate solution.
Product: Credit reporting

Account is paid in full but still shows a balance on the credit report. Company acknowledged that the account it paid in full but said I needed to file a dispute so they could respond and show the balance as {$0.00}. 
Shows as : XXXX XXXX XXXX, 2014 XXXX {$100.00} Account XXXX