23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am currently serving in the Virginia XXXX XXXX XXXX and asked over the phone if I was eligible to receive a title loan, in which I was told yes to come into the office to complete the process. I received the title loan on XX/XX/2022 in the amount of {$2900.00} and payment was wired to my debit card/bank account. 
Upon arrival at the Title Max office located in XXXX TN, I was told that the employee needed to assess and take pictures of my vehicle. I do have a XXXXXXXX XXXX XXXX  license plate tag and other identifying logos that indicated that I was in fact a service member. 
At no time in the loan process was I asked if I was a military service member. It was the day before XXXX and right before the office closed and the employee was eager to make the loan and close the deal. I was not aware that it was illegal for me to even have the availability to obtain such a loan under the XXXX fair lending Act. 
All paperwork for the loan was done on a computer tablet screen that I did not see, and my signature was super imposed on multiple pages and documents after signing on a little pad one time my initials. I would have never pursued the loan if I was made aware that I was ineligible or that it was illegal for service members to be given such a loan due to the outrageous interest rates. I have made payments since XX/XX/2022 and I am now further away from paying this loan off then the day that the loan was issued. The company was not forthcoming and did not due their due diligence to see if I was eligible for such a loan. They issued the loan without proper clearance and questioning and I should have never been able to obtain such a loan as it is against the military lending act, and I would never jeopardize my family or career in such a manner had I been given the information that I was entitled too. At the time of the loan when I asked for a print out of the paper work I was told that they had printer issues and that everything would be available through their app after the loan was issued, which was also a red flag that at the time I missed.I am hoping to get this loan resolved and settled in a manner in which I can receive my title back. As the company falsified documentation without my consent and without asking me if I was in fact a XXXX XXXX XXXX  which they did not! Thank you for your time and help in resolving this matter, I truly appreciate your willingness to understand the circumstance that I have unfortunately found myself in. 
.
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. 

Account name : XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX BANK Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX  Account number # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX XXXX via certified mail ( Tracking # : XXXX ) to remove fraudulent and unauthorized inquiries from my credit report and they refused to do so. I then submitted a follow up letter via certified mail ( Tracking # : XXXX ) requesting them to furnish proof of verification for the fraudulent and unauthorized inquiries and they were unable to do so. I am respectfully requesting that these fraudulent and unauthorized inquiries are removed from my report : XXXX - XX/XX/XXXXXXXX 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 The same issues continue with TransUnion Consumer Solutions XXXX I sent out the same dispute letters and they refuse to remove disputes as well. Below are the certified mail tracking numbers : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of HIPPA LAWS!!! This is a medical bill that should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I send a certified letter requesting validation of inquiries on my credit file. I was sent a generic letter stating, that the requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as to proof of who was contacted and what information was obtained to verify the accounts was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e '' The alleged debt can not be verified and I have yet to receive a response after 30 days which is yet another violation under the FCRA.
Product: Mortgage

XXXX XXXX XXXX XXXX  handed my original mortgage to a small bank in California maybe a year ago. 
My mortgage was up to date and in good standing. 
XXXX would not take my payment. 

The new bank would not send me a bill/statement for several months but instead sent me applications to refinance and also applications to modify my loan. Which I responded that I was not delinquent I would like to pay my monthly bill. 
I also told them I would not sign any new contract with them. 

My mortgage was paid up and was not delinquent when all of this initially transpired. 

I then began researching and started the administrative process with XXXX XXXX  and also with this new bank. 

First I sent via Certified mail, an FOIA request to This new bank in which they did not respond in timely manner and did not provide proof of standing through answering request in full or providing ORIGINAL PROMISSORY NOTE with WET INK SIGNATURE/debt instrument I sent a second request, via Certified Mail, they did not answer timely and again could not provide proof of standing. 

Finally, on XX/XX/XXXX I sent via Certified Mail, a NOTICE OF DEFAULT and CEASE & DESIST to them. 
I received a letter from an attorney down in XXXX yesterday asking for me to contact him and let him know how i wanted to handle my debt with them. Then about an hour ago I was served a stack of around XXXX different electronically filed papers ( XXXX XXXX, SUMMONS AND NOTICE ( non jury mortgage foreclosure ), COMPLAINT, and CERTIFICATE OF EXEMPTION/WITHDRAWL FROM ARBITRATION AND MEDIATION ) Of course, I have copies of everything I ve shared here
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX CT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Equifax Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX CT XXXX
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a copy of my passport and social security card with a letter asking them to update my report and remove any misspellings of my name and incorrect addresses. On XX/XX/XXXX I realized I didn't include all required documentation, so I resent the information again this time including my utility bill to verify my address via certified mail. They mailed me a response stating what I knew about the initial mailing request 1st attempt, I needed to provide verification of my address. I already had a new letter/docs on the way. I opened a dispute on Equifax website XX/XX/XXXX which did get resolved but I had to find out via XXXX XXXX online. Equifax dispute website would never allow me to check it after verifying my information. Equifax asks if you want results delivered online, I answered yes on both disputes I'm stating in this complaint. I then opened another dispute on XX/XX/XXXX and Equifax sent me emails alerting me that i can check the status by providing my personal information. Everytime since the first dispute opened on XX/XX/XXXX I can not access the system. The website asks you to call into XXXX and a CSR can help you access it. I called 2 times and spoke with 2 different Csrs and 2 different supervisors. For them all to tell me the same exact run around dead end storyline. They asked me the same identity questions that their website asks and info from my credit report to verify. I'm literally verifying correct info based from the free credit report they sent me via mail on XX/XX/XXXX. And they verified/confirmed my identity documents that I mailed on XX/XX/XXXX as recieved. And still tells me they can not access my credit file. So I am forced to spend money utilizing the USPS certified system anytime I need to communicate errors or ask questions about my report. This is not ethical and pretty discriminatory to single me out for whatever reason as I can not access my files as any other consumer would have this luxury or amenity. My issue is not about having to recieve a hard copy of the resolutions of my disputes within 30 days. But the fact that I have to spend money mailing the disputes and can not know the status of them when they're the ones emailing me letting me know I can check online as they're updating or completing them. And then their site asks me to call in and rectify the issue and I'm given a run around as if I'm not the person that I said I am and shown to be. When I've literally provided all factual resources they've requested.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX Bank on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was in the process of refinancing my mortgage with my current mortgage holder, Freedom Mortgage Company. My wife is in the United States on an XXXX XXXX. Freedom Mortgage Company has a discriminatory policy against non-US citizens and will not refinance my mortgage to a cheaper interest rate because my wife 's Visa expires within 3 years. The XXXX Visa is a three year term and almost all Visa 's are for 3 year terms. We currently have our mortgage with Freedom Mortgage Company, never missed a payment and currently make more money and less debt than we did three years ago when we purchased the home. At the time of the home purchase my wife 's Visa was set to expire in 2 years, therefore we did not meet the discriminatory 3 year requirement at that time.
Product: Credit reporting or other personal consumer reports

My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my XXXX credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX : Opened : XX/XX/XXXX : {$22000.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$1600.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$550.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$620.00} XXXX XXXX : Opened : XX/XX/XXXX : {$560.00} XXXX XXXX : Opened : XX/XX/XXXX : {$680.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$380.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in the recents data breach and i have fraudulent inquiries that i do not recognize. Please block and delete fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I don't waste my time contacting Wells Fargo 's card dept. anymore. The calls always end up at corporate with my complaining, because the people they hire are dangerously uninformed, ill trained and inept! So I figure I'll do it this way. When my account balance goes over the limit they report it so fast it'll make your head spin! When my balance is under the limit they take too long to report it like now. I made a payment to bring down the balance on XX/XX/22 for {$210.00}. That payment is not reflected on the report I ran today. I paid on my other credit cards and the payments have already posted and updated. What is XXXX problem? One of my lender 's expressed disdain for them due to their repeated horrible customer service. Couldn't agree more! I made yet another payment on XX/XX/22 which was sent to them today. It won't show up until XX/XX/22. However, they won't report it to any of the bureaus for 60 days! They have been charging me a cash advance fee for 2 years on {$100.00} advance! They try to keep justifying it but it's XXXX and they know it! 2 years charging a cash advance fee expresses their greed and law breaking. The Comtroller of the Currency is too friendly with them so they're a waste of time. As long as I have a balance they'll keep charging me the fees monthly and continue to be uber slow to report to the bureaus the positive info that they fail to do timely. If my other creditors can do it quick why can't they? They're a much larger corporation than those banks are. This just speaks to why no one trusts this bank, and why their customers hate them. Because of them my scores remain low due them leaving negative info on my report longer than positive. I've not had too many instances where they've not been paid on time and there are NO XXXX  day lates of any kind on my account! When I am a little late paying they call me repeatedly daily. When I need help from them with questions or whatever they don't assist but give me a hard time or force me to have to complain to corporate who also really doesn't do much. It's an across the board problem with this bank. I don't foresee them ever getting better. Its gone downhill fast ever since XXXX XXXX was forced out.
Product: Credit reporting or other personal consumer reports

Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : XXXX ; Account Type : XXXX
Product: Debt collection

On XX/XX/XXXX. I contacted the original debtor XXXX. They verified the account was closed on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX REAGED the debt which is illegal to XXXX XXXX and this date is stated on my credit report with all three credit reporting agencies. XXXX XXXX XXXX stated on XX/XX/XXXX that they received the debt on XX/XX/XXXX and that was incorrect when XXXX still had the account and it wasn't closed until XX/XX/XXXX. They clearly reaged this debt!!!!
Product: Credit card

On XX/XX/year>XXXX  an unauthorized purchase for an Apple gift card Order Number : XXXX for XXXX was made on the Apple website. My Apple Credit card virtual number was used as well as my Email and home address, the gift card was sent to an unknown email. When I received the email receipt of the transaction from Apple Store I initially thought that my Apple account had been hacked so I logged in, but there was no purchases made from my account but I changed my passwords anyways. I then contacted Apple credit card through their notification system. They opened a dispute and reversed the charges apparently there was a delayed processing of the fraud. They said it would take two weeks. I was never informed that I should contact Apple directly. I thought I had contacted Apple through the Apple credit card. Two months later, I was informed that the dispute was reversed, and that I would be liable for the charges and then resubmitted and contacted Apple directly about the fraudulent purchase that is when they stated that it was made with a guest login I asked for what was purchased with the gift cards and where. But they would not share that information. At this point I have resubmitted 3 times, filed a police report, and sent a letter to Goldman Sachss, requesting the dispute be resolved.
Product: Debt collection

XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX XXXX XXXX is reporting false harmful information on my credit report. They are reporting XXXX missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.