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

I contacted all three credit bureaus to validate this debt. World FinancXXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.
Product: Vehicle loan or lease

i and my sister bought the car on XX/XX/XXXX from XXXX XXXX XXXX our loan company was paleside .. we XXXX dollar down payment and one monthe car payment XXXX dollar upfront total XXXX. from that date we never missi payment until this month we were 10 days late but the loan company reposes my car and illegally asking me more money and another six month payment in advance and so many hidden fee.. i try to contract but they denied said boss or owner its not there.. we become so helpless and they didnt say any thing to us. kow they are saying they dont have any grace period.. they already harasing us verbally and socially
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/year>, appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Mortgage

Mortgage Company is stating that payments are not being received since XX/XX/2021 to present. However, payments were accepted by company through direct deposit from bank. Then, payments were made through US mail by form of checks and checks were return not deposited from account holder. 

Mortgage Company claim from XX/XX/2021- XX/XX/2021 that payments were not received by XXXX XXXX. The servicing of the loan was transferred or purchase from XXXX XXXX XXXX to Selene on or about XX/XX/2021.
Product: Credit reporting

XXXX XXXX worked with me and updated my file to current status, yet Equifax keeps reporting inaccurately. Every time I file a dispute with Equifax, this company either update as being reported correctly or find other ways to decrease my scores. Other reporting agencies seemingly take the matter serious whenever I file a dispute because they either update or removed. Equifax is currently reporting items that are passed the time frame that items can remain on file. I would like for you to review my entire credit files for accuracy.
Product: Credit card or prepaid card

American Express has made several attempts to debit money from my account. I have had to have my bank block all transactions from them in order to stop it. I DO NOT have and American Express card nor do I have any business with them. They have been trying to debit this money without my knowledge or consent. 

I have contacted them twice, they have not resolved the issue. They claim they are doing an " internal investigation '' into the matter, but have attempted to debit the money again while it was supposedly being investigated. I have had to pay a fee to the bank in order for them to block transactions from American Express.
Product: Vehicle loan or lease

I am submitting this complaint regarding a vehicle loan I obtained from NAVY FEDERAL CREDIT UNION on XX/XX/year>. The loan agreement fails to include the required notice under the holder in due course rule, " NOTICE Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder. '' as specified in the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and California Civil Code 1802.5.

The holder in due course rule requires that certain disclosures be made to protect consumers from potential abuses in the assignment of contracts. Specifically, the required notice informs borrowers that if the contract is assigned, they have the right to assert claims and defenses against any holder of the contract. The lack of this notice has left me unaware of my rights and protections regarding the enforcement of this loan agreement.

As a result of this violation, I am entitled to statutory damages, which include twice the amount of the finance charge, as stipulated in 15 U.S.C. 1640. Additionally, I seek the return of all payments made under the contract, as the absence of this required notice compromises the validity of the loan. 

The failure to provide this notice is not only a violation of federal and state consumer protection laws but also undermines my rights as a borrower. 

I request that this issue be thoroughly investigated and that appropriate actions be taken to rectify these violations and uphold consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX 2nd mtg that DOLA was XX/XX/XXXX. State of Washington SOL is 6 years for CRA to remove negative info. Got letter from CRA stated that XXXX had confirmed that DOLA was correct. I know it is correct DOLA, what I requested was that it be removed from my report, as it is time barred as of XX/XX/XXXX. Both other CRA 's removed this negative item from their reports as requested on XX/XX/XXXX. All I am asking is that Experian do the same as required by law in my state.If they continue with this show of disregard for the laws of my state of residence, what legal options do I have? I can not understand how other 2 CRA 's can do this with a simple phone call, yet these buffoons ca n't. PLEASE HELP!!! I am trying to refi my home and this is only item holding it up, I stand to lose the fee for appraisal if this continues much longer. Thanks for your help
Product: Checking or savings account

I bank with Navy Federal Credit Union, Ive been banking with them since XXXX. Todays date is XX/XX/XXXX. My husband has been receiving his unemployment and veterans benefits since Ive opened the account. I ended up having an outstanding balance of {$500.00} that caused my checking to close but I was on a payment plan to pay it off and Im currently negative {$150.00} now in my checking account. The security team Navy federal has, has bypassed security steps, and have released my husbands funds MORE THAN ONCE, knowing they can see that its in my husbands name and not mine, and have NEVER locked me out of my account. But my sister lost her bank account and asked if she can use mine for her direct deposits and of course I told her yes because Navy Federal has never mentioned anything about my husbands deposits being fraudulent so now that they see an incoming deposit from my sisters deposits, they take these want to be security precaution steps, LOCKS ME OUT OF MY ACCOUNT FOR 3 BUSINESS DAYS, in order to review the letter and IDs submitted by myself, my husband and my little sister. Who is waiting 3 business days for a company that has NEVER FOLLOWED THE CORRECT POLICY because they want an outstanding balance paid off on my checking account. NAVY FEDERAL CREDIT UNION IS A HORRIBLE CREDIT UNION TO BANK WITH! And an agent Specifically name XXXX in Navy federals security specialist department, refused to provide me with her manager, her name and her badge ID # to make an official complaint. She told me shes not allowed to disclose that information with me. When the IRS discloses their badge # s LOL. Navy Federal is WORSE than the IRS. Its like during their training they train them to give their beautiful clients, that bank with them, and not bank with us, THE ABSOLUTE WILDEST RUN AROUND! I would never ever ever bank with Navy federal again!!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$0.00}
Product: Money transfer, virtual currency, or money service

I will attach a letter I wrote to Wells Fargo Bank which details the event. 
In summary, on XX/XX/XXXX, I received a call from " Wells Fargo Bank '' as identified on my cell phone. The " representative '' asked me if a XXXX XXXX was authorized to withdraw money from XXXX on my account. At the time, I was taken off guard because I had just settled a fraud matter regarding XXXX Eats. My senses were on heightened alert. The caller was very professional, walked me through each step of XXXX XXXX since I hadn't used XXXX before ) and instructed me how to transfer the money back to my own account. The caller never asked for my personal information. I was induced to transferring the full amount in my checking account {$790.00} and {$200.00} from saving " back into my account ''. I could see that the funds were transferred and was relieved the Rep had helped me. I was relieved that Wells Fargo appeared to have been protecting me from further fraud. 
My accounts registered zero the following morning. I reported the incident and was assured the matter would be corrected within 10 days. Luckily, I have another account with a credit Union I could live on. Wells Fargo responded in 15 days ( XX/XX/XXXX ) and failed to acknowledge that I was a victim of a crime. ( See attached letters ). In fact I felt shamed as WF claimed it was my fault. 
I continued to search for help and answers. I was met at resistance at every corner. 
On XX/XX/XXXX, I made a formal complaint with WF during an in person meeting with a WF banker. The banker informed me that I was to receive a response from WF within 2 days ( WF policy ). It is now XXXX XXXX and I have not heard back from WF. 
I am certain with your intervention this abhorrent form of business will be addressed. Furthermore, I would like to site the Electronic Fund Transfer Act. Regulation E. My next steps include informing our local News Stations in XXXX XXXX and XXXX XXXX and closing my account if there is no solution within the 15 days. 
Thank you so much! 
XXXX XXXX XXXX
Product: Credit reporting

I have been contacting Equifax for my Annual Credit Report and they refuse to send it to me by saying that their record indicate that they have already sent my credit report for this year, but I have never received it. I had no problem with XXXX XXXX neither XXXX, they sent me my credit report without no problem. I can not see my credit report online on equifax system because no of the question belongs to me. I have been contacting Equifax since XXXX to have them to send my free credit report, but as today XXXX XXXX I still have n't received my credit report from them. They just say they will send and nothing happen.
Product: Vehicle loan or lease

I was paying to much for a 2009 XXXX XXXX, when I talked to them about it they said that I had signed the papers from the dealership and they wanted XXXX for the car. My payments are XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Bank of America added incorrect remark
Product: Credit reporting or other personal consumer reports

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Synchrony PaypalXXXX XX/XX/XXXX XXXX
Product: Debt collection

The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX  XXXX  on XXXX XXXX XXXX in XXXX. XXXX  XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX  regarding these and they have been left unpaid as a result. Thanks again for everything.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Mortgage

1. ) XXXX to XXXX : HMDA-LAR Public Disclosures obtained from the National Archives show that XXXX XXXX XXXX employed by XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX. operated a nationwide, direct-marketing Boiler-Room in XXXX XXXX, Pennsylvania, which from XXXX to XXXX originated XXXX Subprime Mortgage Loans to financially-distressed consumers ( many, if not most, of whom were of XXXX XXXX, XXXX, and XXXX descent ). The Toxic Mortgage originated were first sold them to XXXX XXXX XXXX  XXXX, XXXX XXXX who submitted them via Certified HMDA-LAR Disclosures using Respondent ID ; XXXX, This XXXX  Bank then sold XXXX of these Toxic Mortgage Loans to it XXXX  Bank Affiliate : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; who then re-submitted them via certified HMDA-LAR Disclosures using Respondent ID : XXXX ( Thereafter, both XXXX XXXX XXXX  claimed ownership of these Toxic Mortgage Loans mortgage loans until XXXX. ) 2. ) XXXX to XXXX : On XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX outsourced the Servicing Rights to hundreds of these Toxic Mortgage Loans to Select Portfolio Servicing, Inc., a Utah-based Debt Collector/Portfolio Disposal Company ; and four days later, on XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX. sold its Co-ownership in these Toxic Mortgage Loans to XXXX XXXX XXXX XXXX XXXX XXXX Both of these actions were designed to conceal the existence of these XXXX-Originated Toxic Mortgage Loans from DOJ Fraud Investigators during the Discovery Phase of the XXXX RMBS Trust Certificate Lawsuit. Serendipitously, these fraudulent acts denied many of financially-distressed owners of these Toxic Mortgage Loans ( many of whom were of XXXX XXXX, XXXX, and XXXX descent ) of their rightful shares of the Consumer Relief/Restitution XXXX XXXX XXXX XXXX, XXXX XXXX, Select Portfolio Servicing, and XXXX XXXX XXXX XXXX XXXX used the Eleventh-Hour Outsourcing Maneuver to hide the XXXX XXXX-Originated Toxic Mortgage Loans originated by XXXX XXXX  XXXX at the XXXX Boiler-Room between XXXX and XXXX ; but had the guts to claimed that they were unaware of the level of toxicity of home mortgage loans they purchased from Subprime Market-Leaders XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed A XXXX Bankruptcy that is on my Trans Union Credit Report, and in response, Trans Union verified the item as accurate, stating that Trans Union has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached. 

It is clear the Court does not report to Trans Union or any Credit Bureau for that matter ; therefore, Trans Union 's initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb Trans Union is supposed to ensure this.

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.

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: Bank account or service

I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!
Product: Credit card

In XXXX, 2024 I noticed fraudulent purchases on statement and notified credit card issuer. I was advised card would be closed and new card issued. 

In XXXX, 2024 new statement was released and charges again reflect similar to XXXX, consistent with reported fraudulent purchases. 

Credit Card Issuer, did not remove interest rates for the fraudulent purchases and I have requested monthly payment be delayed to allow opportunity to insure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXnd Equifax are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - XXXX XXXX XXXX CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V ALIDA TE ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Product: Credit reporting or other personal consumer reports

I checked my credit score on my XXXXXXXX XXXX  app. in late XXXX and noticed that my credit score had fallen about 140 points. After looking at my report I found 6 late payments reported to my credit. These 6 late payments were all from the student loan servicer XXXX. These late payments were posted on XX/XX/year>. I called XXXX and they had no record of me having a current student loan with them. After they investigated further, XXXX found that my student loans were serviced by them in the past ( XXXX ), then transferred to another servicer ( XXXX ). My XXXX account shows that the loan was paid in full and closed once it transferred. I asked XXXX if I had any late payments during the time they serviced my loan. My account did not show any late payments. Further, I asked if they had reported late payments to the credit bureaus and they said no. 

I submitted disputes to XXXX and TransUnion. XXXX did not have record of this late payment reporting. After XXXX and TransUnion 's investigation they reported back that they contacted XXXX and XXXX disagreed with my dispute and that there was not an error in their reporting the late payments. XXXX and TransUnion said I needed to contact XXXX. 

I called XXXX again and explained the credit reporting dispute results. I asked if they had been contacted by the bureaus. They said they had not and that they had not sent any statement to the credit bureaus about disagreeing with the dispute. I'm not sure how the investigation yielded a statement of disagreement from XXXX if XXXX wasn't even contacted. I asked to speak with a manager and she confirmed that there was no record of being contacted, or contacting any credit bureaus. I asked XXXX if I could get a letter stating that I did not have late payments and that they did not make any report to XXXX and TransUnion. They were not able to provide me with anything. XXXX suggested that I call the credit bureaus. 

Again, I called XXXX and TransUnion. They were not able to help resolved the issue and directed me BACK TO XXXX. 

I have been going back and forth between credit bureaus and XXXX and neither can give me an answer about the late payments reported on my credit. No one can provide evidence of the late payments. XXXX said all my accounts were paid in full and closed and there was no evidence of late payments. If XXXX is saying they never reported late payments to the credit bureaus and the credit bureaus are reporting that they spoke to XXXX how is this issue going to be resolved? 

I have impeccable credit. This is evident in my credit report history. No late payments until this student loan with XXXX. It is concerning that no one can seem to figure out who or how it was reported. I need help figuring out how to clear these false reports from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I, XXXX sent a final inquiry to Equifax regarding my rent payment activities. 



Subsequently, Equifax has removed these activities without any prior notification given to me, as required by the FCRAs 623-15 U.S. C. 1681s-2 et.seq. ; 628-15 U.S. C. 1861w et.seq. disposal of records provisions. 



Although Equifax initially reported my rent history for several months prior to any unexplained removal, in which did cause my credit score to rise, their most recent actions of an unlawful removal has further caused an injurious falsehood against me. 

Furthermore, after several attempts to remedy this violation caused by Equifax, Equifax has continuously failed to communicate to me in any form describing their results and or recent actions against me when questioned. 



Such non-compliance by Equifax has caused additional harm and injury by means of blocking me from acquiring certain purchases due to the unlawful removal of my rent payment history and current activities. 



Therefore, I am requesting CFPB to compel Equifax to meet FCRA standards by correcting its egregious behavior and apparent error.