23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Received letter from ERC, dated XX/XX/2018, in regards to XXXX. I requested an investigation to be conducted by XXXX, into the manner which my final bill was incorrect. I received a letter from ERC, stating the dispute investigation by XXXX, was complete, and forwarded to their office for collection. I did not receive any information, in regards to the prior investigation being completed.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, or account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative payments during COVID Violating of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports.

XXXX XXXX is violating my consumer rights
Product: Vehicle loan or lease

Good morning, Reference loan event attached to this e-mail. Member advertised one vehicle and brought in nearly exact duplicate to sell. I noticed discrepancy but couldn't find the advertisement on XXXX XX/XX/XXXX. I have brought this situation up to Attorney General ( AG ) in XXXX but no one in A. G. Office seems interested. Only requires a request from XXXX XXXX advertisement concerning information from XXXX  thru XXXX  XX/XX/XXXX. It should show member advertised XXXX but switch XXXX vehicle. I can't request it. The vehicle advertised was a XXXX XXXX XXXX but member brought in a XXXX XXXX XXXX with nearly identical mileage and color. Would have gotten away with it but he chose to brag about the indiscretion. Request your organization do something about it.
Product: Student loan

I was told by Edfinancial on XX/XX/XXXX that I would need to make a manual payment on XX/XX/XXXX, but that autopay will withdraw your full next month 's payment. That would have been XX/XX/XXXX, Edfinancial did not withdraw that payment on said date. I was informed on XX/XX/XXXX that I had a delinquency notice because my account was 3 days past due, which caused {$730.00} of capitalized interest to be added to my principal balance on XX/XX/XXXX ( one day after my autopay was supposed to start ). I have asked for this to be reversed because I was told my autopay was supposed to start on XX/XX/XXXX according to Edfinancial customer service. They have not responded to this request. I have also inquired for my autopay XXXX % discount to be instated and reflected on my statement. I was told on XX/XX/XXXX that it activated on XX/XX/XXXX, but I still do not see any record of this discount being applied to my payment. I have also inquired about billing for this period XX/XX/XXXX to XX/XX/XXXX. My autopay amount is {$340.00}, however according to this statement only {$230.00} was due and one of my loans ( XXXX ) did not get a payment put towards it. I have inquired as to why and not received an answer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I sent XXXX, XXXX and Transunion a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX XXXX XXXX. After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 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} this is also the address they refused to remove from my credit report that is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had several accounts in good standing for many years. I paid for additional insurance monthly, that I was told would cover my payments if I was ever killed or XXXX by my service. When I became XXXX, instead of helping me with my payments, the company harassed me, destroyed my credit and has continued to do so for over ten years, now. I have requested paperwork and they told me that they don't have any because the accounts are so old, but they still report illegally and unethically on my credit report. They have cost me hundreds of thousands in damages and several credit repair companies and professionals have told me that there's nothing I can do because the company is so big and can afford the best lawyers to defend their victimization of the service members and veterans that they claim to serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Credit card or prepaid card

On XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent. 

I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about my money.
Product: Student loan

On XX/XX/XXXX my school, XXXX XXXX, went through its billing cycle ensuring that classes were paid for. We the students patiently waited for our refund checks to be deposited or sent and weeks went by with no update. Now here we are at the start of XXXX and we are finding out through articles on the internet, not the school itself, that the funds for the refunds are not there. There seems to be nothing to school can do at this point to ensure all students receive their refunds. The school was to refund me a stipend amount of {$6300.00} but failed to do so. I need to understand how this can be remedied.
Product: Debt collection

For two years, Ive asked for World fianance to validate this debt. Theyve submitted false social security numbers to reporting agencies and incorrect amounts. Multiple times have they showed up to my home to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Product: Debt collection

KIA FINANCE Kia is reporting by email that my monthly lease payment is overdue when it was paid on XX/XX/XXXX for XX/XX/XXXX. I think that KIA Finance either was hacked or is purposely reporting the wrong amount. I tried to call them twice today and they hung up on me both times after trying to get me to pay. 

My KIA Finance online statement is showing that I have no payments due and that I have automatic payments set up with my bank. My bank is also showing that the payment was debited on XX/XX/XXXX. 

KIA has played with my credit report before causing my score to go down.

They dinged my credit twice last May causing my score to go down when I attempted to lease a car at the advertised price. The dealer tried to defraud me and I opened complaints with the Massachusetts AG and only then the dealer capitulated. Kia was trying to get me to pay on a car that I had surrendered ( Kia lease paid off ) and I had already taken possession of a new car. 

Now I am trying to get Kia to comply with a warranty on defective equipment in the car so they are trying to destroy my credit again in retribution.

Women should be cautious about dealing with Kia because Ive seen complaints online that they unfairly target women for this type of fraudulent underhanded dealings.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I received my 4th title loan through titlemax with my XXXXXXXX XXXX XXXX. before my payment was due, within the first 30 days titlemax hired a tow company to come to my home and repossess my vehicle. i called corporate and wanted to know why they would send a tow company to take my vehicle and they said that i was not a corporate concern and to contact the store were i got my loan, i then contacted the store and demanded to know why they breached our contract agreement, i was then told that titlemax was going out of business and that was the reason for violating the contract. having had 3 prior loans fully paid off within 3 months of receiving the loans using the same car as collateral, I felt wronged and violated, by titlemax breaching the contract that we had agreed upon, i feel that they picked me out cause they new i would pay my loan off like all XXXX previous loans had been paid in full, titlemax never returned my title to me since my first loan on XX/XX/XXXX XXXX APR 143.35 % paid in full on XX/XX/XXXX. 2nd loan was XX/XX/XXXX XXXX APR 143.35 % paid off XX/XX/XXXX. 3rd loan XX/XX/XXXX for XXXX APR 174.36 % paid off XX/XX/XXXX 4th loan on XX/XX/XXXX for XXXX APR 173.35 % titlemax BREACH OF CONTRACT! illegal debt collecting practices by trying to repossess my car before first payment due. then on XX/XX/XXXX I was inside my vehicle when a tow truck came to my house and picked me and my car up by XXXX wheel suspending my car and myself XXXX feet in the air damaging my vehicle and my property when he went to put my car down it would not go back into park, hudge pile of transmission fluid in my driveway police came, XXXX called due to my airbag deployment they made a report, got car fixed and then on XX/XX/XXXX auto theft/ unlawful taking XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the tow company did not call my car in for a repossession or recovery of any kind, no history of a vehicle being taken from myhome. I have 3 police reports, XXXX XXXX XXXX loss of work, created XXXX i never had before, I contacted corporate on XXXX XX/XX/XXXX spoke to a lady and sent a email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX and to this day they have not responded to my complain that stated i was taking legal action for breach of contract, damaging my vehicle and property, and illegal repossession, Im seeking my vehicle back and XXXX for the damages, XXXX, and loss of work. as time goes by the amount goes up while i still am without my vehicle today
Product: Checking or savings account

I am writing to formally dispute multiple overdraft fees assessed to my account with Navy Federal Credit Union. These fees were applied despite my account having sufficient funds at the time the transactions were authorized. Due to delays in the posting of charges and credits, transactions later settled against an artificially reduced balance, resulting in unwarranted fees. 

This issue is consistent with recent Consumer Financial Protection Bureau ( CFPB ) findings regarding Navy Federals overdraft practices, in which transactions settled with insufficient funds despite originally being approved with an available balance. I believe these practices are both unfair and deceptive, and I respectfully request a thorough review of my account transactions. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXXXXXX XXXX, I received an email regarding an {$80.00} XXXX transfer that I did not initiate. Following the instructions in the email, I immediately contacted the XXXX number provided as it suggested for any unauthorized transactions. During this call, I was informed that a new XXXX  email had been added to my XXXX account and used for the unauthorized transfer. Furthermore, a new recipient was also added to my XXXX account without my authorization. The representative I spoke with took prompt action by removing the unauthorized recipient and email associated with the transfer. They also provided me with a XXXX number to call the following day to update my online credentials, since that department had closed for the day. 
The subsequent day, I contacted the provided number and received assistance in changing my username and password. Additionally, the agent facilitated the closure of my account and transferred the remaining balance to a new account. They advised me to scan my phone before logging back in with the new credentials, ensuring added security measures. 
Prior to these incidents, I received a voicemail on XX/XX/XXXX, urging me to contact the Wells Fargo Fraud Prevention center at XXXX and reference case number they left in the voicemail. Upon doing so, I was notified of unusual logins from locations outside my usual area of activity, such as California and XXXX. Additionally, verification of personal information regarding a recently opened checking account was requested. Once verified, I was assured that my account would not be closed. The agent also assisted in updating my online credentials as a precautionary measure. 
In summary, I am unfamiliar with the recipient to whom the {$80.00} was transferred. Moreover, I did not authorize the addition of XXXX email to my XXXX account for the transaction in question. I kindly request that the funds be returned to my account, as this transfer was unauthorized. 
I sincerely appreciate your prompt attention to this matter and the assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates
Product: Debt collection

I do not have any contract with this company. I have never received any notification regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year, when I attempt to obtain my free, annual, on line credit report from Equifax, I can't. I have never had any trouble procuring my report from the other two agencies, only Equifax. It is an annual event. After I provide all of my personal information, answer all of their security questions correctly, I'm then told that they will not provide my free annual credit report unless I mail in copies of my Social Security card, pay stubs with S.S. number on them, W-2 forms, Driver 's License, etc. The US Postal Service is not 100 % secure or dependable. More to the point, who knows if my personal information will be securely handled after Equifax receives it. Is it any wonder that Equifax sustained the largest, most damaging personal information data breach in history? It appears as though Equifax is attempting to dissuade citizens from requesting their free annual credit report by making the process as cumbersome and time consuming as possible, while opening up yet another avenue for an additional personal information data breach. Will you please demand that Equifax lives up to their obligations under the Free Credit Reporting Act, have them provide me with my credit report as required by the law, and admonish them to do so in the future on line every year without me being required to contact you, as does the other credit reporting bureaus? Thank you.
Product: Credit reporting, credit repair services, 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. 

Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of edXXXX 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 has all violated my rights.

15 U.S.C 1681 section 602 A. States 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