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

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, XXXX and Experian data breaches and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.
Product: Vehicle loan or lease

This loan is suspected fraudulent I have all the necessary paperwork It is important to remember that I have already tried to resolve this matter. I was told that because of payments being made that it was sufficient enough to determine the outcome. 

Unbeknownst to us bank I have a police report stating the nature of that account. Please see the the two attachments. 

My unlocked cellphone was stolen when I was homeless and my personal information was used without my knowledge to make debits. 

When this was found out the account was close up. 
To add on years later and XXXX still has my information in multi factor authentication linked to the old cellphone in which was stolen, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX account is paid and closed yet reporting negative and one is my current loan that is upto date XXXXXXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and equifax wont release my report
Product: Credit card or prepaid card

In XXXX of 2018 I missed a payment with my Citibank Credit Card. 
I lost my job last year and I have a family and a mortgage. I truly forgot to pay my bill. I did call and asked for help didn't get any help from the associate or the manager. It was a small amount of money also but I did pay it as soon as I could and I never missed a payment since even though I am still going through financial hardship.
Product: Consumer Loan

I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!
Product: Vehicle loan or lease

In XXXX I was involved in a car accident, resulting in a total loss of my newly purchased Toyota XXXX. According to the total loss settlement, my car insurance sent a check to pay off the loan to the lienholder, Toyota Financial Services, in the amount of {$34000.00}. The check was delivered on XX/XX/year> and scanned into the Toyota Financial Services system on XX/XX/year>. As of today, XXXXXX/XX/year>, the loan is still active and the check from my insurance has not been processed into my loan account. I have called Toyota Financial Services customer center several times since XX/XX/year> for updates on when the check will be processed. The dates I called Toyota Financial Services customer service team are listed below : XXXXXXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXXXX/XX/year> XXXX ( 3 times ) Every time I called, I was told the same scripted, routine message from each representative, that " Toyota Financials are experiencing delays at this time. '' When asked to speak to a supervisor or person in charge I was told " A supervisor can not provide you with any other additional information than what I am telling you today. '' They then proceeded to tell me that they put an " alert '' on my account so someone can resolve my issue in a faster manner ( normally within 2-3 business days ), and that I should call back. Every time I called back, I was given the same answers with no additional information. On XXXXXX/XX/year> I involved my attorney, and they gave her the same response as well, resulting in " call us back in 2-3 days. We normally have checks processed within 35 days. '' This last information was given by a representative by the name of XXXX. It is now XXXX, 60 days since the check was processed, and my loan has not been paid off with no additional information regarding my account. I was advised by the Toyota customer service team to stop my monthly payments, and that it would not be counted against my credit score since my car is deemed " Total Loss '', but I recently received an email stating that I missed a payment, and I am afraid that this is going to affect my credit score. I am unable to purchase another car until this loan is paid off, and my loan is still active and accruing interest. I took the advice of the customer service representative and did not make a payment in XXXX. On XX/XX/XXXX, I received an email from Toyota Financial Services alerting me that I missed a payment even though I was instructed not to pay, and I also received a letter that was dated on XX/XX/XXXX instructing me not to make payments. I am not getting any further help from their customer service team, which has resulted in me having to take further action and contacting the CFPB for help.
Product: Student loan

XXXX requested to consider my loans for a reduced rate in XX/XX/XXXX, the rep advised she would put the information in to have some payment relief for the remaining 4 months of interest only. Which I didnt know at the time that the agent didnt add all the loans to this program. This is where Navinet makes a lot of its money ( purposely misallocating payments, and leaving out loans to attach late fees ) Obscured information consumers need to maintain their lower payments. 

XX/XX/XXXX My cosigner then received a letter advising that my loans were in default and advised me. I promptly called and the agent XXXX advised that not all my loans were added, and some were in default. I then advised rep that I didnt realize that the previous agent left some of the loans out of the program for reduced payments, as doing some research online this is a common practice with Navinet . Each month a payment was auto deducted, yet they leave out loans purposely. Rep advised to make a payment of {$150.00} to keep my account out of collections and in the interim to complete my documents for my in-school deferment ( which I requested on this call ). 

XX/XX/XXXX I received a collections call advising that my account was in default and that I would need to make another payment of {$150.00}, however, I tried to explain to Navinet agent and urged her to read the call notes from the previous call to confirm payment to this week. She advised I needed to make another payment that would keep me out of collections and to submit my in-school deferment letter. She then pressured me to get that letter in, I advised rep that I just received the letter on XXXX and it was a holiday and to allow some time with the holiday. Navinet then proceeded to call and harass my cosigner with collection letters and calls. I tried to have my mother removed from my account, however, they deceived me about the requirements to release my mother as a co-signer. 

I have made payments to Navinet every month, yet Navinet practiced fraudulent tactics of leaving accounts out to incur late fees along with payment misallocation. I expect some level of competency with this business. I am fed up with the illegal tactics Navinet uses to drain money out of borrowers. I want a full audit of my account to possibly move forward with some legal recourse. This is ridiculous for these types of predatory lenders getting away with. Ive been paying my student loans for the past 20 years or so, however, I can not get ahead with the fraudulent tactics they do. Ive been told putting myself on auto pay would reduce my loan interest, each time Ive inquired about that, no agent can tell me anything. Ive been on autopay even through the pandemic trying to maintain a good credit score even as tough as that was. Im just disgusted with the practices/tactics Navinet has been doing for the past couple decades.
Product: Mortgage

XXXX XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) Attached paper work in regards ' to the way that XXXX mortgage and also the Carrington mortgage company services LLC has been reporting to the credit agency on both of our credit reports untrue and inaccurate information ( Same joint accounts ). 
Information they are reporting are that the accounts were foreclosed on and a bankruptcy. 
They also make it appear that there are XXXX separate mortgages XXXX with a payment of {$360.00} and the other with a payment of {$700.00}. 
Carrington mortgage when I contacted : ( XXXX XXXX XXXX : XXXXXXXXXXXX ) stated that the foreclosure is correct because it was filed by XXXX before the short sale. Attached is a copy of the title search which shows no foreclosure paper work on this property was ever filed by either mortgage company. Also neither can show any paper work showing any foreclosure was filed and nor that we were ever served any foreclosure action. Also my attorney handling the sale of our home also did not receive any such notice. The only mention of any of this is on our credit reports. I believe this to be a deliberate attempt to help block any future credit offers by any lenders causing a lower credit rating and a higher interest rate offer by anyone. This is also an unfair and should be illegal partice. A lender has already told me that credit can not be issued because of what is reported to the credit reporting agency regardless of what paper work I have on these XXXX accounts. 
Attached also is the following : 1 : date and approval of short sale letter. 2 : mortgage transfer letter and date. 3 : copy of the title search, 4 : Satisfaction of debt, 5 : mortgage statement showing paid, 6 : this cover letter. for a total of 8 pages. 
This matter needs to be corrected and stopped by these mortgage companies to which I believe are working hand in hand or are really just the same company just using a LLC as a shield.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report with Transunion and discovered there are phone numbers on there that are incorrect and should not be listed. I initiated a dispute on XX/XX/XXXX and requested they be deleted from my report. On XX/XX/XXXX I received an email informing me the results of my dispute were available for me to view. I looked at the results and saw that the phone numbers I requested be deleted were still on my credit report with the reason listed as " information updated '' however if the information was updated why are the numbers still on my credit report if they are not accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked transunion to remove incorrect fraudulent info from my credit report resulting from identity theft which includes adresses accounts and inquires and they have not done it i provided identity theft reports
Product: Credit card or prepaid card

Yes ik just a letter from the same company that j filed a dispute against they closed my card because I contacted you all about them double charging me. So they closed the card without me knowing I pay my bill well to them a matter of fact early and on time. They closed my card account and sent me a threaten letter because I caught them cheating me and I told them that is legal and I will file a complaint on them I did and they close the card without me knowing it and sent me a threaten ing letter from their advocate department they did not offer to give me my money they double charge me for each month. So I checked my mail the other day. They have put false charges on my bill statement that I never heard of in my life! This company have forged false and fake charges on my bill. I never heard of a company by such s name!!! It is Called ( XXXX XXXX XXXX XXXX credit. I never heard if such and anyways j never got cash with this card only Walmart food or item or goods no cash. And they got a false fate charge of ( XXXX ) something is wrong very much wrong with this company. They they can get away with anything.
Product: Credit reporting or other personal consumer reports

To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint to XXXX  because an unauthorized person represented themselves as a Wells Fargo employee when I called the customer service line. I called because the account I set up wasn't explained properly. I was under the impression, when it was explained to me when I opened the account, that I had an overdraft account. Meaning, it was explained that if I setup a joint savings account and I made purchases, Wells Fargo would automatically deduct it from my other account set up with no fees charged if my checking didnt have enough to cover it. The day I called to explain, like I said, it was someone stating that they were a Wells Fargo employee ( a manager ) but ironically I was transferred to a department that had nothing to do with my concern. I was put on hold for ten minutes because the person " manager '' claimed that he couldn't find out what kind of account I had. He asked me could he have permission to extensively access and research and go through my account. Now mind you, I have worked several years in banking being a teller and merchant teller, customer service rep, account services personnel, wire transfer clerk and so on at XXXX XXXX XXXXXXXX and XXXX XXXX. So, I knew the person was full of it. This " manager '' claimed he couldn't help me but he could refer me to the investment banking department - which had nothing to do with why I called. After that, I looked on my tablet to go on my online banking. My checking account began to be immediately affected with double charges and them shifting my money back and forth between my accounts, re itemizing my charges, they ran my credit without my authorization, they linked my {$6000.00} Wells Fargo Propel advantage card to my savings and checking accounts, they also CLOSED MY WELLS FARGO PROPEL CARD without notifying me of the reasons after they ran my credit unauthorized with no probable cause. I only had the card for XXXX months and NEVER USED IT! They sent me a letter ten days after they closed my card and talked to this shady person stating I had all these charge offs and accounts that were delinquent on my credit report that WASNT TRUE and they based it off of my activity in my checking and savings account - when in fact, there computer were the ones messing it up! I know my account was hacked! They offered me mediation and consultation as well as advice and encouragement to seek other legal action. So, thats why Im contacting this law firm. I am COMPLETELY UPSET with Wells Fargo and there unethical and shady business practices. I told them that here they go again doing the same thing they did to get in trouble years ago my stashing money from individuals accounts and adding it to other places and re itemizing charges just like the lawsuit they had. Wells Fargo is back at the same thing again and unfortunately I am the victim! Theyve also cut my debit card off while buying necessities for no reason. My account has been hacked when I reported the problem to them and still being hacked. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the following account below : MONTEREY COLLECTION SV Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, anyConsumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) The financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. Any and all consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX do not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a letter from CCCH stating that due to financial hardship, they are willing to let me settle my account for {$1900.00}, which will satisfy the debt in full. On XX/XX/2020, I made my last payment which fulfills my end of the agreement. On XX/XX/2020, I have received and email containing a receipt that states my account has been fully settled. To this day, my account is still being reported as delinquent despite all of the on-time payments that I have made based on the agreement. I see this reporting as fraudulent. Can you please look into this? I would appreciate it.
Product: Credit reporting or other personal consumer reports

Please remove this bankruptcy from my public records it was add fraudulently.