23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

As I advise company that I was incarcerated for XXXX XXXX and upon my release, taking my credit report, so find somewhere to live I find out that it was a account from this company that was opened up under my name. I filed a police report filed the FTC report and also file a complaint with the CFPB. submitted supporting documents, such as a police support at FTC report and proof of incarceration during the time that the account was open. The company closed my dispute and claim they verified it as accurate. I reached out to request documents that they use to verify this account only not to receive anything and also I was told that I had to prove that it was identity. I did everything in my due diligence such as a police support FTC report and proof of incarceration at this time this company is in violation of 15 USC 1681 and its entirety and I am exhausted all my options and trying to fix this and I am seeking help to find a resolution to get this removed off my credit report identity that is a real issue and it should be taking very seriously. I asked for help many times only to receive none.
Product: Mortgage

1. We emailed SPS on XX/XX/XXXX, XXXX, XXXX and XX/XX/year> XXXX. We called SPS multiple times since XX/XX/XXXX to XX/XX/year> 2. We sent mail to SPS on XX/XX/XXXX with tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX 3. We faxed letter to SPS on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Capital One ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is in an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress clearly states IS NOT INCLUDED on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s Capital one credit card account number XXXX
Product: Debt collection

I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. XXXX are details of alleged collection item for review. 

creditor : RMS-RECOVERY MANAGEMEN ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Experian. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX  XXXX Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediately. Called 20 times in last 30 days. Attached is a photo of all fraudulent inquiries on my account.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( coaf, XX/XX/XXXX XXXX ), ( XXXX Card, XX/XX/XXXX ), ( XXXX XXXX XXXX ), ( Brclysbankde, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ). 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

My ex-fianc and I purchased a timeshare when we were together, and we have been separated since XX/XX/2021. I never used the timeshare, but my ex has used it multiple times. I spoke to someone in XX/XX/2021, and they stated that if a get a letter from my ex stating that he will take full responsivities of the timeshare that my name will be removed from it. I did ask they requested, and my name is still on the timeshare.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check through a mobile deposit into my checking account that I hold with Capital One, this check was for {$1400.00} which I received through VA XXXX XXXX dependents education assistance. This is the second check that I deposited through the same institution, the first check was for {$140.00}, however this one was cleared within 24 hours. The check for {$1400.00} was initially supposed to be cleared by the following Wednesday however on that day I received an email detailing that my funds would not be available until XX/XX/year>, This 60 day hold is excessive. I called the company three times and each time I have been told that they are waiting for the US Treasury to send back confirmation that the check may be deposited. currently I have the funds in my account but they are not available to me.
Product: Mortgage

Loancare has used my escrow account and depleted it and is trying to charge me additional money to reimburse the escrow account. It is the first year of owning my home and they have not even paid ANY taxes our the escrow so it is not possible to have an increase. Also my house insurance rate went DOWN, so again there is no possible way this should have been increased. I have called on multiple occasions to ask for an escrow review and they have not responded or fixed this. They need to do a review of my escrow account and the illegal charges they have charged me. I need to reimbursed for the additional fees they added to my escrow account. They are trying to ILLEGALLY increase my mortgage payments by {$82.00}.
Product: Debt collection

The collection agency is Trident Asset Management. The original creditor was XXXX. In XX/XX/XXXX I bundled my XXXX XXXX, XXXX phones and my XXXX XXXX in a bundle plan. All was fine until XX/XX/XXXX when XXXX XXXX increased rates and we went back to cable. I cancelled my XXXX XXXX and continued my service with XXXX. After we sold our home in XX/XX/XXXX I get a bill in the mail from XXXX XXXX telling me I owed them {$240.00}. I called and told them it was paid to XXXX through the bundle. I called XXXX and asked if I owed any money and if there was a problem. XXXX said I did n't owe any money other than my monthly payment. In XX/XX/XXXX I check my credit report which says now I owe {$1000.00}. I disputed this amount. I did n't receive any letters. I called XXXX, who says I do not owe this money. When I called Trident, they hung up on me. I did speak to a rep later that day who told me to go to the website and pay but she did n't offer a resolution letter. I want this off of my credit report.
Product: Credit reporting or other personal consumer reports

there are several names and address wrong affecting my credit history i sent it to the credit bureu Transunion my social, drivers license and also a bill confirming my info but they did not delete the incorrect items in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have 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 an account without my written instructions.
Product: Debt collection

I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all XXXX credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Citibank with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.
Product: Credit card or prepaid card

After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately eighteen months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX  XXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry  : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

These debts are noncollectable, they advised me they are beyond statute of limitations. These accounts with B & P are noncollectable according to them. They have ceased all collection activity but still call.     Collection activity includes reporting the bureaus. Since this is no longer collectible or active, this account must be removed. All collection activity must cease including reporting to the bureaus. If not I am entitled under the law to {$1000.00} per violation.     The accounts in reference a re B &  P collections  XXXX   XXXX   B & P c ollections  XXXX   XXXX    XXXX    ( 2 a ccounts )  B & P  collections   XXXX   XXXX   XXXX   Since these are  medical collections  as well I am reminding you of the HIPPA laws. It is a violation to report which doctor ive seen.   The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. T he U.S . Departmen t o  f Health and Human Services ( HHS ) is sued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of  1996 ( HIPAA ) .1  The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Withi n HHS, the Office for Civil Rights  ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties.  <P/> A major goal of th e Privacy Rule is  to assure that individuals health information is properly protected while allowing the flow of health information needed to provide and promote high quality health care and to protect the public 's health and well being. The  Rule  strikes a balance that permits important uses of information, while protecting the privacy of people who seek care and healing. Given that the health care marketplace is diverse, the  Rule  is designed to be flexible and comprehensive to cover the variety of uses and disclosures that need to be addressed.  <P/> This is a summary of key elements of the  Privacy Rule  and not a complete or comprehensive guide to compliance. Entities regulated by the Rule are obligated to comply with all of its applicable requirements and should not rely on this summary as a source of legal information or advice. To make it easier for entities to review the complete requirements of the  Rule , provisions of the Rule referenced in this summary are cited in the end notes. Visit our  Privacy Rule se ction to view the entire Rule, and for other additional helpful information about how th e Rule app lies. In the event of a conflict between this summary and t he Rule, the Rule go verns.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to previously pay this company before in full for two separate loans when I received my tax refund. They would not take my payment. They said it was because they had tried to take payment before and didn't get it so they couldn't or wouldn't use my card. I said you have my bank account number please use that. They wouldn't do that either. Now they have taken my vehicle they sent me a paper with the wrong vehicle listed. No one will rectify this with me they just keep giving me the same phone number where no one can help me. Or they say they are transferring me but I get the same person I was just speaking with. It seems they want you to not pay them and then make it impossible to rectify the situation. On the paper they gave me it says they repossessed a XXXX XXXX XXXX. I have never owned a XXXX XXXX so they won't let me have my belongings from my car.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally lodge a complaint against Navy Federal Credit Union ( NFCU ) regarding the denial of my auto loan application. The reason provided for this denial was alleged delinquencies and unverifiable information on my credit report, which constitutes public information. As a longstanding member of NFCU, I applied for this loan in good faith and have exercised my consumer rights throughout the application process. NFCU 's failure to comply with federal regulations, including the Consumer Credit Protection Act ( CCPA ) and relevant statutes under Title 12 of the U.S. Code, has resulted in undue harm to my ability to obtain credit.

Denial Basis and Lack of Transparency My application was denied on the basis of unverifiable information and alleged delinquencies. Under Title 12 U.S. Code 5511, financial institutions are obligated to protect consumers and ensure transparency in credit decisions. The unverifiable information NFCU referenced was not fully disclosed to me, and this lack of clarity violates consumer protections afforded under Regulation B ( Equal Credit Opportunity Act ), which ensures that credit decisions must be explained clearly and fairly. I have not received verifiable or accurate information about these alleged delinquencies despite multiple attempts to address this issue with NFCU. 

Good Faith Application Process I applied for the auto loan over the phone with one of NFCU 's loan officers. During this call, I was explicitly asked whether I wished to leave additional notes on my application regarding my consumer rights, which I agreed to and requested. Despite my instructions, the underwriter completely disregarded the notes I asked to be added. This demonstrates a failure in NFCUs internal processes and underwriting standards, raising concerns about their compliance with the law under Title 12 U.S. Code 1785, which outlines the obligations of credit unions in ensuring fair practices and diligent underwriting. 

Violation of Consumer Rights NFCU has denied me the right to credit based on alleged negative public information on my credit report, which should be verifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My repeated attempts to resolve these issues have been ignored or mishandled. This violates the Consumer Credit Protection Act ( 15 U.S.C. 1601 ), which ensures that credit is available to all Americans without unjustified barriers or baseless denials.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and Experian- not able to access their website. 

Thanks in advance for any assistance you can provide.