23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report ( insert credit report number ) and discovered an inquiry that I have no knowledge of. On XX/XX/year>, Nissan Motor Acceptance appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company. Please launch an investigation into Nissan Motor Acceptance inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Nissan Motor Acceptance s able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car XX/XX/XXXX with XXXX XXXX XXXX, I put no money down nor did I have a trade, they told me that the bank regional acceptance would reach out to me in a few days to do an interview about the car. When I received the call the banker asked me if I had traded in a car and if my car had remote start, luggage rack, and a trailer hitch and if I traded in a XXXX XXXX XXXX and I was going back to take a {$1000.00} to put down, I informed him that I was not and that the car had none of those add ons. He then told me that he was going to reach out to them so they redo my contract, the following week the car dealer reached out to me and asked when I could come in and sign the paperwork I told them XXXX XXXX as I was out of town on work, I received a call from the bank on XXXX XXXX asking if I went into the dealership to sign my contract, I told him no I was still out of town he then informed me that he had a new contract from the dealer with a fraudulent signature on the contract, he compared the 2 signatures ( from my old contract and this new one ) and knew the new one was signed by someone else .on XXXX XXXX I received a call from the GM of the dealership saying he did not know anything about this till this morning and that he asked around and no one would admit they did it, he then asked what I wanted to do with the car and told me to call him back tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX  XXXX CA ) XXXX Balance : {$310.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

Today XX/XX/2020 at XXXX XXXX  a man named XXXX XXXX phone number XXXX called my office phone. He then stated that I would be served at my job and arrested! I asked him to not call my work and he then called back anonymous and asked to speak to my supervisor?? He then proceeded to call several of my co-worker 's extensions harassing them. Not sure how he knows all my co-worker 's names but he does and their phone numbers too. I asked him to not call my work and he called 4 times back to back to back harassing me and my co-workers.
Product: Vehicle loan or lease

Hello, I received a late payment alert on my credit after I advised Toyota that someone in our household had been furloughed due to COVID-19 and we needed to get on a payment plan.
Product: Debt collection

CREDIT CONTROL CORPORATION 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 {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 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: Debt collection

on XXXX i sent bonneville collections a letter asking them to validate a debt they have persuing collection on, i have recieved no response as of XXXX
Product: Mortgage

My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.
Product: Consumer Loan

We purchased a Subaru SVX XXXX XXXX : XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015 in the amount of {$1500.00}. After standing in line for 4+ hrs. XXXX we were told that the title has a Lien on it from Citibank NA. After numerous calls XXXX she has since blocked our number. I called Citibank who referred me to XXXX XXXX XXXX as well as XXXX both of which of been unsuccessful.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 4. XXXX Date of inquiry :XX/XX/2023 5. XXXX Date of inquiry : XX/XX/2023 6. XXXX Date of inquiry : XX/XX/2023 7. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 8. XXXX Date of inquiry : XX/XX/2023 9. XXXX Account Number : XXXX
Product: Checking or savings account

I was a bank holder with XXXX and incurred thousands of dollars in overdraft fees due to the predatorial ( XXXX ) practices of the bank. 

I have had the same experiences with several other banks and thousands of dollars in overdraft fees. I would like to claim as much as I can from these XXXX bankers.
Product: Credit reporting or other personal consumer reports

Early Warning asked me to provide a statement or a reason why I feel my concern needs addressing. So instead I disputed this with XXXX Bank. I never had a account XXXX XXXX so this should not show on Early Warning Systems. I have attached the response from XXXX XXXX and the response from XXXX and wish to see my consumer report update
Product: Credit reporting or other personal consumer reports

My account with 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 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 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
Product: Money transfer, virtual currency, or money service

I have two ACH transfers with Discover Bank pulling from an external checking account at XXXX XXXX, involving {$2300.00} initiated XX/XX/2022, that would not be available until XX/XX/2022. and {$6000.00} initiated XX/XX/2022 that would not be available until XX/XX/2022. This over XXXX XXXX XXXX to clear funds that I already own is absolutely unacceptable, and Discover phone customer support insisted that it was the ACH system that held funds to ensure the source account could verify. Apparently there is nothing Discover Bank or XXXX XXXX that could expedite the process or even provide me with an alternative form of transfer that wouldn't cost me additional money ( e.g. wire transfer ). This amount of money is non-trivial to me and was necessary to pay bills, a mortgage, and a car payment. Not only will those payments now be late, but I will be charged extra interest on my credit cards and may even suffer on my XXXX XXXX due to this amount of money being withheld this long without my express permission and intention. 
The United States and its banking system needs to step up to the demands of the 21st century and streamline and update the ACH processing system and dismantle these anti-consumer barriers to accessing our own money. 
The attached screenshot shows the funds already withdrawn from the source account at XXXXXXXX XXXX.
Product: Credit card or prepaid card

A revolving credit account was opened with Navy Federal Credit Union on XX/XX/2007, in the amount of {$500.00} utilizing me as a co-signer. However, I never gave any XXXX permission to use me as a co-signer nor did I have any knowledge of this. I recently found out about this ( XX/XX/2007 ) when I applied for a home loan and was denied because this account was in collections but i never knew about this account. So here are the major issues : -The fraudulent account was started on XX/XX/2007 - At the time I didn't have a bank account with any financial institution at the time. I was XXXX XXXX XXXX, getting ready to join the Navy ( XX/XX/2007 ) and I was planning on getting a bank account with Navy Federal then. 
- I did not get a bank account with Navy Federal Credit Union until XX/XX/2007 - Once discovered I did file a police report with XXXX, XXXX in XXXX ( incident report # XXXX ) - I was also informed by a Navy Federal representative that in order for a loan, revolving credit, or credit card application with a co-signer to be approved, the co-signer also has to have a Navy Federal bank account. Which I did not have, I didn't have a bank account at all. 

After talking to a customer service representative at navy Federal I was given a copy of the fraudulent revolving credit application and on it displayed the individual 's name that applied for the revolving line of credit and my forge signature and nothing else. Their was no date of birth, social security number, or any other financial institution information. So, I don't even understand how this was approved in the first place. I have been back and forth with Navy Federal about this issue now for several weeks and they don't seem to care or have a sense of urgency in the matter. Please Help Me With This Issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 60 days with no response from the bureaus. The law is being disregarded by all three bureaus by not responding in the appointed time, hopefully this will be the last time that the bureaus are allowed to disregard the law. Please remove all accounts listed as stated by law.
Product: Money transfer, virtual currency, or money service

My information was compromise and there was no resolution to my concerns or the consumers concerns regarding this zelle matter.
Product: Student loan

I tried calling Navient at XXXX about my student loan where the caller keeps getting automated menu responses after a lengthy period of time - there is NOTHING ON THE MENU to connect the caller to a real person. When I finally was able to connect I asked who & where I was talking to the person would not give me their name and said they were from XXXX ( would not give specific country ) ; additional they had difficulty articulating in the English language. I asked multiple times to be connected to the UNITED STATES - each request was denied. I do not trust giving my information to someone overseas and I heavily object they have my information as well as that of other students. 

Navient needs to provide, without delay, a phone number that connects the student borrower to an actual person in the United States. 

This is highly unacceptable and there should be legislation preventing this from happening. 

I DO NOT AUTHORIZE THE " CONSUMERS FINANCE PROTECTIO BUREAU '' to release my email to Navient whatsoever.
Product: Student loan

NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.
Product: Student loan

On XX/XX/XXXX I received document XXXX stating that my federal student loans are in forbearance. The document stated " While you are in this forbearance no payment is required on your account and your interest rate will be set to XXXX XXXX. This means no interest will accrue while you are in the forbearance. ". My account still continues to accrue interest AND I am " behind '' on a payment. As of XX/XX/XXXX it states that I owe {$1700.00} from XX/XX/XXXX and a similar additional amount on XX/XX/XXXX. It says I am currently past due. I have attempted to reach out to customer service almost daily since XX/XX/XXXX but the wait times were increasingly long and I would hold for many hours to eventually have the call disconnected. I also attempted to utilize the call back service which allowed me to provide my phone number for a call back whenever it was my turn. I never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 weeks now, I notice my credit score dropped 26 points with Equifax. I have no late payments with 100 % on time, no judgements, 11 % or credit utilization on revolving accounts, no derogatory marks, and no hard inquiries. No significant changes for a drop of 26 points. The only change that was indicated was a balance decrease on all accounts including XXXX XXXX XXXX XXXX XXXX, Mortgage with XXXX XXXX etc. All of these accounts have decrease in balances and should have increased my credit score. I contacted Equifax to inquire why. The agent told me that I had credit cards that I was not using and I needed to utilize at least 30 % of the cards to keep my credit score at XXXX 's or above. I told her that did not make since. If that's the case, why not inform consumers that using each card is the correct way to increase your score. I need help to rectify this matter because Equifax is not being honest with proper reasons to why consumers credit scores can change. I should not be using 30 % of credit cards at all, and no one should be telling consumers that you need to uses your credit cards to increase your score. My score has been between XXXX and XXXX for almost 3 years now and all of a sudden it has dropped significantly to XXXX without explanation.
Product: Credit reporting or other personal consumer reports

my information was exposed on it in a data bridge which are these inquiries I did not inquire on my report. It should be a move. Immediately. Incorrect information has been exposed to my report. these inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect spelling of my name XXXX XXXX