23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX freely agreed and signed a valid contract which was breached or violated : The vehicle was not promptly sold ( within 90 days of repossession ), the vehicle was XXXX on XX/XX/XXXX and sold on XXXX vehicle was not sold in a commercially reasonable manner at The XXXX XXXX XXXX XXXX XXXX XXXX referred Pacific Credit Exchange did not provide the required notices properly to my address, XXXX XXXX XXXX XXXX XXXX XXXX  Thats on my ID. I tried to pay and did't get any credit for on time payments for the 2 years I paid. XXXX XXXX referred Pacific Credit Exchange XXXX unrelated fees on the account documents, Plan to sell property show Principal Balance is {$7700.00} the Calculation after selling the property unpaid balance show {$7900.00} The debt balance is incorrect and these or FDCPA violation. XXXX XXXX has committed wrongdoing and is attempting to benefit from this. XXXX XXXX and Pacific credit Exchange keep Charge off and Writing off the debt, Counting it as loss for accounting purposes on my credit report and have Re-aged the account. XXXX XXXX sent direct mail notice on XX/XX/XXXX and on XX/XX/XXXX forcing me to pay additional money other than the debt I owe is considered an FDCPA violation. On XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX that show I made these payments and didt get any credits for on time payments XXXX XXXX referred Pacific Credit Exchange XXXX provide at least XXXX days notice before they cash any check and no Disclosure Verification of XXXX check payment that was made on XX/XX/XXXX that was required. 

Breach of contract by XXXX XXXX, Pacific credit Exchange is not the original creditor, that the contract was not properly assigned to Pacific credit Exchange. The debt is pass the statute of limitations and the debt is considered expired, XXXX XXXX Account # XXXX and Pacific credit Exchange Account # XXXX have no rights to collect the debt and I demand XXXX XXXX and Pacific credit Exchange stop reporting the debt on my credit report. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. ( Civil Code section 2981 ).
Product: Checking or savings account

I have made a similar complaint another time. In XXXX of XXXX, someone stole my identity. They have opened an account through XXXX  that luckily I was able to close. I'm getting random calls about me applying for loans up to $ XXXX ... i went ahead and closed my bank ( citibank ) permanently all my accounts and they told me multiple times they were going to make it so I can't sign up for a account there at all. Although, I gave them the benefit of the doubt for the 4th time to do their part, I'm once again dissapointed. I got a letter from them today stating on XX/XX/XXXX, my account was overdrawn and now an account is open that i know nothin about and i refuse to pay money for something im not using. Can you please help me? When i called to talk to them they refused to help me at all ... when I told them they obviously don't care and aren't following through with what they told me multiple times. I told them they obviously aren't checking ID because if they did, he wouldn't have been able to open 3 accounts in 4 months. I don't know what else to do if the bank who is not doing their job refuses to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ally Financial XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

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

I have been with NavyFed for 8 years and have never been treated so poorly by any other institution in my life. My current NavyFed is located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

On XX/XX/2021 our state Governor lifted the mask mandates making masks a recommendation not a requirement. On that same day I went into my branch to make a deposit and was met at the door by the branch manager who immediately demanded I wear a mask. I said no thank you and she immediately became very aggressive and yelled You wear a mask or you DONT come in! At this point I obliged and put the mask she offered on. She then stands off to my left staring at me and begins to harass and belittle me in front of other members. 

By this point I became upset and said close my account and left the building. This is when she started to damage my credit and anything else she had the power to do by reporting to the credit bureaus missed payments for a debt over 7 years old that should be off my credit report. I few weeks later I received a letter from NavyFeds physical security dept threatening me in an attempt to intimidate me from disagreeing with her.

This same women has also harassed other NavyFed members in front of everyone in the building, ONLY hires females and hates all military personnel and freedom. Its sad to see an entity claiming to be military friendly but then hiring people like her who treat our nations service members and veterans like this. 

To go out of the way to cause harm to consumers who do not agree politically with her or NavyFed is unethical and UnAmerican. 

I have in possession my credit report the threatening letter to support my claim.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report showing unpaid loans, leading to my car loan application being denied which is absolutely frustrating.
Product: Student loan

I have had a XXXX yr XXXX federal loan serviced by XXXX  in the amount of {$10000.00} for over XXXX yrs now and the balance has only gone down by XXXX. This should have been paid off already. The loan has just been transferred to MOHELIA and the amount is still the same.Im not sure how to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called experian they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX, Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and Transunion to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Mitchell D. Bluhm & Associates stating that I owed {$450.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have never received services from any provider named XXXX XXXX, nor did I receive any services from any medical provider on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a Debt Validation Request ( copy attached ), outlining my rights under the Fair Debt Collections Practices Act, to Mitchell D. Bluhm & Associates. This letter requested specific information which would allow to be respond to this allegation. This letter was sent Certified Mail to their XXXX XXXX address within the thirty-day window to protect my rights under the FDCPA. The letter was never signed for by the recipient. 

On XX/XX/XXXX, I received a second bill from Mitchell D. Bluhm & Associates. On XX/XX/XXXX, I sent a second Debt Validation Request ( copy attached ), referencing my initial request. This letter was sent via XXXX XXXX XXXXXXXX package, signature required, to the same XXXX XXXX  address. A second identical letter was sent via XXXX XXXX XXXX Mail. 

It appears that all mail sent to the XXXX XXXX XXXX address is automatically forwarded to a XXXX XXXX XXXX at a XXXX branch of the XXXX Postal Service. The XXXX XXXX XXXXXXXX package has not been retrieved from or signed for. 

I have made XXXX documented attempts to resolve this issue which have been unsuccessful. I am requesting your assistance in ensuring that Mitchell D. Bluhm & Associates cease any credit bureau reporting and cease any further contact with me.
Product: Debt collection

There was a dispute that was made to LVNV FUNDING LLC in the bringing of XX/XX/2019. The dispute came back as verified, however, I never received any documentation ( the original application with my signature and the date open ), proving that it is my debt. Since the dispute, the collection has gone from derogatory to being charged off on XX/XX/19, in the amount of {$1300.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

ive consistently paid my cards on time for years only to have my limits reduced and interest rates hiked to keep me in debt longer and XXXX score reduced. Ive paid lenders more in interest than Ibe spent as they continued to increase my interest rates, fees and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.
Product: Debt collection

Portfolio Recovery is a creditor company that says I owe three different quantities, {$1400.00}, {$1300.00}, and {$540.00}. I have previously contacted them stating that the amounts they are trying to collect are not correct and have even tried to settle the accounts by making agreeing to make small payments. They agreed to settle my accounts and lowering the amount, however, the amount did not go down after making two payments. Now I've been not only harassed by an outrageous amount of calls, but my family and friends have also received calls from this creditor. Now it has escalated to them threatening to sue and garnish my wages and have also shared my credit information with other fraudulent companies threatening to sue in their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$13000.00} account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, TransUnion, and XXXX. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. 

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.
Product: Credit reporting or other personal consumer reports

This complaint concerns XXXX inaccurate reporting of my consolidated student loan, which has significantly impacted my credit profile. After consolidating my student loans in XX/XX/XXXX, XXXX initially reported the debt as XXXX separate loans but later combined them into XXXX, creating material inaccuracies. I seek the correction of my credit reports to accurately reflect my student loan history and amounts. 

I have received XXXX 's response to the initial CFPB complaint regarding the Department of Education consolidation account opened on XX/XX/XXXX. However, XXXX 's response materially failed to acknowledge the issues detailed in the complaint and subsequently failed to resolve the matter. It is now apparent that XXXX has elected to dismiss the material inaccuracies brought to its attention. Despite a series of failed disputes filed with the CRAs and with XXXX directly, XXXX has maintained an unlawful inaction to correct the errors. The issues outlined in the complaint, coupled with the supporting documents highlighting the specific errors, can not make the errors any clearer. With all involved parties included in this complaint, there is no excuse for XXXX or the CRAs to continue placing the responsibility to correct known errors on the other party. Because XXXX continues to abdicate its duties under the FCRA, I have resubmitted this complaint as a last resort before seeking legal action. I have the right to a complete and accurate report, and as long as the errors described in the complaint remain, XXXX remains liable. 

After completing my graduate degree from XXXX University in XXXX, I refinanced my student loans in XX/XX/XXXX. XXXX, the data furnisher and federal student loan servicer, managed the loan consolidation process, resulting in a total consolidated loan amount of {$210000.00}. XXXX confirmed the consolidation and began reporting the debt as XXXX separate loans on my credit profile : {$30000.00} ( subsidized ) and {$180000.00} ( unsubsidized ). 

From XX/XX/XXXX to XX/XX/XXXX, XXXX reported these as XXXX distinct loans. However, in XX/XX/XXXX, XXXX changed this reporting, deleting the {$180000.00} loan from my credit reports and increasing the balance of the {$30000.00} loan to {$210000.00}. Despite an established XXXX account history, XXXX made XXXX effort to address the reporting inaccuracies caused by this change. 

As a result, my credit profile inaccurately represents my loan history and falsely presents me as a higher-risk consumer due to the perceived incurrence of significant new debt in the past 12 months. Despite my disputes, XXXX and the credit reporting agencies ( CRAs ) have failed to correct these inaccuracies as required by law. 

I request a swift resolution, including the complete updating of my student loan account to accurately reflect the loan history and amounts. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I am beyond frustrated because I dont know why it's there. I routinely check my report, and everything was fine until now. I refreshed my browser, hoping it was a system glitch, but nothing changed. This is unacceptable, and I demand an immediate resolution. Please go over my submitted documents carefully so I can finally put this behind me.
Product: Checking or savings account

I am sending a complaint of my account that was compromised since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$35000.00}. I've been given the run around, Citibank is giving me the run around and don't want to pay me. Can someone please help me return back my funds XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Mortgage

my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. 
looking to see what answer you will get back from caliber home loan. 
thank you