23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that XXXX validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that XXXX might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both XXXX XXXX XXXX XXXX XXXX 
and XXXX XXXX XXXX. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to XXXX XXXX XXXX on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged XXXX to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, XXXX XXXX XXXX failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.
Product: Checking or savings account

For the last several months Ive been attempting to close my OneDeposit checking account at Citizens Bank, though my attempts have been unsuccessful. At first, they told me that I need to bring the account to a {$0.00} value, which I did. Once it was at a {$0.00} value I contacted them back again to close the account. By the time they responded to me ( sometimes taking several weeks or more ) they would charge the account a monthly maintenance fee and bring the account value negative. They then would not allow me to close the account because it was negative. This has gone on for several months now.
Product: Vehicle loan or lease

In XX/XX/2020, I was shopping for interest rates on a used vehicle loan. In doing so, I submitted an automotive loan application to Pentagon Federal Credit Union XXXX PenFed XXXX, among several other financial institutions. Other than a loan application, I did not execute, nor intend to execute, other loan documents, including a promissory note, with PenFed. Subsequent to the loan application being submitted and approved, and without executing other legally enforceable loan documents, PenFed added the auto loan to my PenFed account and began enforcing the loan without authorization to do so. While enforcing the unauthorized loan, PenFed began drafting the monthly principal and interest payments from my checking account through an unrelated third-party financial institution, which was included on my account to service my PenFed mortgage note. In addition, PenFed incorrectly reported the unauthorized auto loan to the credit reporting agencies, which adversely affected my credit score and ability to obtain credit. 

I am highly concerned that PenFed is recognizing unauthorized loans ( and loans in which PenFed does not have an enforceable right to collect on ) in their credit lending portfolio and thereby adding unauthorized loans to consumers accounts and credit reports without their knowledge after a consumer applies for a loan.
Product: Debt collection

Midland Funding received an AFFIDAVIT OF TRUTH on XXXX XXXX informing this company of the fraud and deception used when they collected on an alleged debt. 
When they attempted to collect on this alleged debt, Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. coerced me into paying this alleged debt . Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. purchased these alleged debt while invading and infringing upon my privacy. You obtained information that should have never been disclosed in fact, I never signed a legal binding contract to pursue business with Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. Again, please forgive me for my ignorance of the law ; however, consumer is requesting in fact the bill of sale between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. will provide in fact the forward flow agreement and aggregated value of purchase between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have any current loans with Department of EducationXXXX XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and Experian. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card. I have never opted into the over the limit program, never been late, never been over the credit limit. 

On XX/XX/XXXX Chase flagged my credit report as over the limit The following attachments prove I have not gone over the limit. I was able to confirm I never gave Chase permission to allow purchases to put the balance over the limit. 

I spoke to Chase and asked have I ever been over the limit ever? Chase ;  no Then why are you reporting derogatory information on my account. 

Chase then escalated the call and the supervisor told me Chase aggressively reports against consumers even if the information is false. 

Chase has a terrible system in place to hurt consumers credits first before reviewing anything that might hurt consumers credit. There is no oversight and the entire reporting policy is anti-consumer. 

Additionally, we have an account from a previous time that was paid late due to moving houses. The account was paid within grace period but marked late on XX/XX/2014. Chase refused to remove the information from my credit report, even though the history proves we have never been late on this account. 

Again, Chase credit reporting is anti consumer and overly aggressive to the point it is hurting consumers that are actually excellent customers.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

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

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Student loan

It took many, many attempts to find out how much our daughter owed on her student loan that was first issued through XXXX XXXX and then was sold to Navient. I as her father co-signed on the loan. They absolutely would not give us the payout amount. We finally had to have a three way conversation with the Navient rep, our daughter and us to get them to give us the pay off amount. Once that finally happened we paid it off as the interest rate was so high and we were able to refinance through our own bank at a much lower interest rate. We paid them what was quoted as the payoff thinking we were done with them. The next month they sent us another statement taking that payoff amount and stretching it out over two or three years worth of payments and said we still owed over {$700.00} dollars on top of that. We could n't get any answers so we then talked to a " supervisor '' who said it must have been a mistake and had no other explanation. We had to then go take out more money to finally be done with them. Navient was dishonest, thieving liars!! A terrible experience.
Product: Debt collection

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false and misleading information in its illegitimate attempt to collect this alleged debt by falsely stating The owner is bound by the Declaration of Covenants for the community because he purchased a home in the neighborhood. This is a baseless claim made without any legal merit to back up such a claim. Its also misleading as to whom is being referred to as the owner and who is being referred to as he. 

XXXX. The legal definition of bound is to be constrained by a contractual agreement, other obligation, or constrained to follow a precedent. 
-Its been previously proven in the prior complaint numbers : XXXX, XXXX, XXXX that the elements of a valid and legal legitimate enforceability agreement between the association and myself is non-existent as it does not exist. 

2. The legal definition of declaration is a formal statement, proclamation, or announcement, esp. one embodied in an instrument.

-Its been previously noted that Dunlap Gardiner LLP and its client the association was not present during the transaction of the home. At no time during this transaction was I disclosed with any statement, proclamation, or announcement regarding the existence of an association or an agreement to join one.

-Being that there were no legal agreements between myself and the association, there is no written legal documentation that defines the rights, duties, entitlements, or liabilities such as a contract legally defined as an instrument. If one existed, Dunlap Gardiner LLP and its client would have provided it already when requested.

3. The legal definition of covenant is a formal agreement or promise, usually in a contract.

Lastly : Dunlap Gardiner LLP states that There is no legal requirement that he sign anything in order to be bound by the Declaration. This statement further proves that there is and never was a valid and legal agreement between myself and the association. The association preyed on me not knowing my rights as a consumer and took advantage with their illegal, misleading, and predatory collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts status is inaccurate or should not be there and should be deleted XXXX XXXX XXXX XXXX show charge off XXXX XXXX XXXX XXXXXXXX show charge off XXXX XXXXXXXX remove status comment XXXX XXXX XXXXXXXX remove status comment XXXX  XXXX remove the status {$3.00}, XXXX written off. 
XXXX XXXX XXXXXXXX remove the status {$4.00}, XXXX written off. 
XXXX remove the status {$4.00}, XXXX written off.
Product: Debt collection

we keep getting calls from a company called portfolio recovery. they say there looking for a person who does not have this number. i have told them many times and they say ok we will take care of that yet they will call another XXXX times the next day they call at all times even on early sunday mornings. tell them stop calling and check my number and see who it comes up to i told them i am on the do not call list.and they still call some times after XXXX at night
Product: Mortgage

I discovered last year that I'm a victim of fraud from Bank of America who has been collecting since XX/XX/XXXX for a mortgage loan that they do not own. You can see the various complaints that I filed through your agency to force them to answer my questions. I have just received copies of fake documents with contradictory information. Based in that information I found out that the alleged loan was converted in to a bond and sold to a wall street trust that ceased to exist since XX/XX/XXXX. Furthermore, the alleged pretender lender named in the trust deed was not the lender, the source of the monies. He was a straw man, who received a commission to pretend being the lender. In addition the true source of money for this alleged debt were the multiple investors of wall street trust, XXXX XXXX XXXX, that as I said before do not exist since XX/XX/XXXX, whose investors were paid in full from the insurance, and also from the 30 trades of the same mortgage in a pool. For the above reason, the note and trust deed are invalid, void, because they arised from fraud. 
I'm current in the payments, because I wanted them to negotiate before rescinding the never consumated alleged loan. But Bank of America is not responding to the QWR SENT to them from my attorney. They received the request of information since XX/XX/XXXX, and up to today, they have not responded. Please see the attached QWR that they received on XX/XX/XXXX, and the tracking number from the US Postal services to confirm. Also The subservicers XXXX XXXX, who collected from XX/XX/XXXX to XX/XX/XXXX, and XXXX who collected from XX/XX/XXXX to XX/XX/XXXX under Bank of America are also co-conspirators.
Product: Credit reporting or other personal consumer reports

I will send a letter in the mail in XXXX of 2023 stated that my information may have been affected by the Equifax data breach I also received the email from XXXX XXXX XXXX advising me of this information to so now I'm taking the time out to write you all because I just had XXXX XXXX in XXXX and I wasn't able to get it done before then because I was losing my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter of verification to Experian in hopes of seeing how the company verified three accounts that I disputed in XXXX of 2019. By FCRA law credit reporting agency 's have 15 days to respond to the request with a description of how they obtained the information to verify the report. Experian broke the law because instead of showing proof of how they verified the disputes and sending me the information I requested they opened up a new dispute. This is a direct violation of FCRA section 611. Also its a direct violation of my consumer rights and its inhibit my ability to move forward with certain aspects of my life.
Product: Checking or savings account

I've recently bought a shirt on XX/XX/XXXX and still haven't received it. I tried contacting the merchant via social media and website, but they're both taken down. I tried to dispute it with Chime, but they denied it. I still don't have my product and can't get in contact with the merchant. He sort of went ghost. I have no tracking number or purchase confirmation, nothing
Product: Credit reporting

I sent copies to Equifax to dispute XXXX 30 days late from XXXX. It clearly shows that I made my payment and collected by the end of 30 days. Dispute all of these copies of proof they would not correct the problem. The law states that consumers has 30 days to make payment before it is reported to credit bureau. This ensures that the consumer is protected.
Product: Debt collection

PMT Solutions is an unethical, very unprofessional organization. I called to find out why they were sending me bills that were grossly inflated -with predatory feeds attached. Also, they said lost my letter to them asking them to send me a fair bill -minus the predatory fees. Further, I sent a {$15.00} money order and said apply this to any basic fees or charges that I may owe-but, again, my having been in the hospital with an overnight stay due to a XXXX-I was concerned with this bill and called to understand and resolve it as soon as I got out of the hospital and recovered. I asked why I had these excessive charges ; and, why am I still getting charges-even after I called to pay and resolve it and asked for line by line -item by item research. 

Worse, PMT lost the {$15.00} money order that I sent in good faith with the letter requesting the exorbatant fees be removed! They actually lost the money order -did not offer to research and follow-up and hung up on me 3 times when I attempted to call back to ask for a manager to assist with resolutions. I was sent back and forth between XXXX companies and finally I became aware that PMT solutions has the ability to remove the excessive and predatory fees so that I can pay the base charges-fair and square. They simply refuse to be fair or ethical. For example on a charge that is {$21.00} a {$35.00} fee was added. This was done repeatedly even for charges under $ 7- a {$35.00} fee was added. This is by far predatory and unethical. They are unprofessional, rude and it is impossible to get fair resolve. I am certain that other consumers are being treated the same or worse. Please firmly address and stop them/this.
Product: Debt collection

a representative of XXXX XXXX at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by HH Gregg the representative advised XXXX XXXX that HH Gregg is reporting it and so are they. My next step will to seek legal counsel regarding the practices of XXXX XXXX XXXX
Product: Debt collection

I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus has failed to fulfill its legal obligation under the FCRA to conduct a proper reinvestigation of disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issuing such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where the credit bureaus have neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX and XXXX continue to violate federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loans went into repayment in 2013. I was contacted by Navient in XXXX of that year and advised that my loan was due. At the time I was in graduate school and was informed by the representative thats my in school deferement had ran out. After further investigation I learned that Navient had my loan in a in school deferment when I was not in school as well as I was going thru a bankruptcys. I noticed them of the error and was told nothing could be done. I called and request help with making my monthly payment and was advise the only thing I could do was pay interest but there were no other options
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't know what these are on my credit report and it needs to be removed immediately. I will take legal action and I will file complaints with the XXXX and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXXXXXX XXXX. ACCOUNT # XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX LXXXX XXXX. Account # XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.