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

On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

This information appears on my credit report, attempted to reach out to the company to request information, regarding this account. But instead my personal information was shared with another customer. I'm disputing those charges, because I was denied treatment,. This company has made calls and emails to friends, and family members unauthorized. Made numerous calls without identifying themselves as a debt- collector company. I have attempted to reach out to supervisor at the company, to file complaints concerning their actions, but my concern and complaints was dismissed. Therefore, I m going outside the box to draw attention to Capital Accounts, negligence on sharing my information, as well as violating my rights, refusing to provide me with Information regarding this account. 

Please look into this matters, as a consumer XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) 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 reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.
Product: Debt collection

The company XXXX XXXX has purchased a debt from XXXX under my name and it claims I owe. I have never used any XXXX products nor do I ever will. 

They are located in XXXX XXXX, NJ
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX and was financed by Wells Fargo. When the vehicle got totaled the XXXX  coverage was never applied. Which resulted in getting put into collections. I made multiple calls, attempts and sent the XXXX  coverage paperwork even the dealership that I purchased the vehicle from did as well. 
Nobody could understand what I meant and always seemed confused. I explained over and over again that the {$500.00} i was charged off for was the negative equity but shouldnt be on my report due to me having gap coverage and should be covered they refused time and time again. Instead they sent my information to all 3 credit bureaus at that time when I tried to get a another vehicle and couldnt because they put me as late and into collections. I needed to pay almost XXXX % interest because of their error and needed to wait 7 years for the false information to be removed. Im entitled to the compensation from their negligence during this matter costing me thousands just in interest alone let alone everything else ( calling, complaining, disputing and getting no where and waiting 7 years for the false information to be taken off my report )
Product: Credit reporting 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I've recently checked, my credit report and noticed inaccurate unauthorize Inquires. This Agency is violating my Consumers rights by false misleading information, misrepresentation, and deceptive means. I've made serval previous attempts to fix these issues directly with them and there violating my rights and I am entitled to {$1000.00} for every violations I listed, they either pay me or delete these negative accounts ASAP.
Product: Debt collection

I was sued by XXXX XXXX, XXXX for a time-barred debt for the amount of {$4900.00}. The last payment made towards the extended credit was on XX/XX/XXXX. The account went into default on XX/XX/XXXX. Which made it time-barred on XX/XX/XXXX. On XX/XX/XXXX is when they filed their lawsuit against my XXXX XXXX name. 

The original creditor sold my debt to the debt collector on XX/XX/XXXX. In the lawsuit they claimed that XX/XX/XXXX was my " Last payment made '', which was the first deceptive practice that they claimed in there lawsuit knowing very well that was false. 

In California Statue of Limitations is 4 years to be able to file a suit. They sued me 4 years, 1 month and 2 days. 

I was in and out of court for 6 months while teaching myself how to represent myself against these deceptive claims. On XX/XX/XXXX I finally was able to prove my case in court and had my motion to dismiss- Statue of limitations granted by the judge.
Product: Debt collection

hello my name is XXXX XXXX and I am having an issues about some of the collection filed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR INFORMATION TO 3rd Party Debt XXXX : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a request for information for Company Name and Account #. Please provide the following information : 1. All billing statements from the date of account opening 2. A signed contract with my name on with your company.

3. Date of First Delinquency, and Date of Last Payment 4. Proof showing me that you incurred a loss from me.

I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 
Please forward all correspondence regarding this matter to the address stated above. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland XXXX [ XX/XX/year> ] Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute and Request for Refund of Overdraft Fees Dear Navy Federal Credit Union, I am writing to formally dispute several overdraft fees applied to my account ( Account Number : XXXX ). Over the past year, I have noticed numerous overdraft fees, including cases where no transactions occurred on the days these fees were assessed. 

In some instances, the system has automatically refunded these fees after determining they were charged in error. However, there are still many fees that remain unaddressed, despite being applied under similar circumstances. This has caused me significant financial strain, as I have paid a substantial amount in fees that I believe were improperly charged. 

I respectfully request the following : 1. A thorough review of my account to identify all overdraft fees charged in error, including those that remain unresolved. 
2. A refund of all overdraft fees that were improperly assessed. 
3. Clarification of your overdraft policy and the steps you are taking to ensure fees are applied accurately in the future. 

Please consider this letter a formal request for investigation and resolution. I expect your response within 14 business days. Should you require additional information or documentation, I can be reached at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.
Product: Vehicle loan or lease

My car was totaled. The insurance company that will be paying towards the totaled car is waiting for a letter of guarantee. I called Chrystler Capital XXXX and was told the letter would be sent " by the end of the week '' XXXX. It was not sent. I called customer service the next week and was told the letter of guarantee would be sent in 7 to 10 business days. I called the next week and they said " a percentage was wrong and needed to be fixed. I talked to the insurance company and they said the percentage had already been fixed weeks before. I called the next week and asked to be transferred to a manager, and twice was put on hold for long periods of time. I called today and was told by the insurance department that they didn't have a value for the car and it had to be submitted to another department, and would take another 24 to 72 hours before they got that value. I have been given nothing but excuses by everyone I have talked to. They never have transferred me to someone that can take care of the problem.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and
Product: Debt collection

I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Credit reporting 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 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  and list of Inquiries. 


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: Debt collection

I never signed or dealt with XXXX  XXXX. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing
Product: Credit reporting or other personal consumer reports

Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 daysXX/XX/XXXXAccount number XXXX
Product: Mortgage

Since XX/XX/XXXX I have been trying to begin the loan assumption process for my husband to assume my co-signers portion of our mortgage. My co-signer has not lived at this residence or made any financial contribution to this loan since XX/XX/XXXX. I have a court ordered settlement agreement stating that my husband and I must assume the mortgage. However, I am getting nowhere through emailing : XXXX, or through Primelendings chat portal or by messaging through the dashboard. I am routinely disconnected in the chat portal and while on the phone with customer service. 

In XXXX of XXXX, I did receive an assumption packet/application, but it was for an FHA loan . We have a USDA loan I re-submitted my request for the assumption application along with a completed Release of Liability Application in XXXX of this year, and again in XXXX and XXXX. I received one confirmation/ receipt reply for my request in XXXX, and was told that I would receive the remaining assumption paperwork/application after a review period, which never happened. I have received no response outside of an automated please allow 7-10 business days to process your request since XX/XX/XXXX. 

I sent a certified letter to XXXX/Primelendings assumption department on XX/XX/XXXX, it was signed for and received. As of today XX/XX/XXXX I have still not received a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!
Product: Credit reporting or other personal consumer reports

I told them every inquiry and every account except XXXX was fraudulent and most of the accounts was open when I was in the XXXX  and I should not have any collections on my account as well.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Protection Bureau, I am writing to file a formal complaint against Afterpay, regarding their abysmal customer service and lack of reliability. Not only have they froze my credit line without any explanation, but they also do not provide a customer service phone number, leaving customers like myself feeling frustrated and neglected. My orders are all current and paid so there's no justification as of why my credit line got reduced to XXXX, so I demand a reinstatement or a payout of my pending orders from their own pocket as this is unacceptable I have tried reaching out to Afterpay through their chat feature, but to no avail. It is extremely concerning that they have not responded to my message, leading me to speculate that they may have either gone bankrupt or are engaging in deceptive business practices. 

I strongly believe that Afterpay 's behavior is unacceptable and warrants immediate investigation. As a consumer, I expect transparency, reliability, and accessible customer service from any company I engage with. Afterpay.
Product: Debt collection

I have disputed XXXX  times over the past XXXX years with XXXX XXXX and experian as well as XXXX XXXX XXXX and as of today XX/XX/XXXX, true accord debt collector. Since XXXX I have received countless emails and dings on my credit report for XXXX XXXX debt owned by XXXX XXXX. They didnt initially disclose XXXX XXXX the origin debt, even when disputed XXXX times.experian and XXXX and XXXX XXXX validated the debt I disputed but I wasnt provided with XXXX proof or evidence supporting their claims of validating the debt. I knew I had XXXX back then and Any proof or evidence wouldve shown the facts behind this Debt and save a lot of grief and anxiety.its XXXX XXXX XXXX not XXXX and I Shouldnt be repeatedly contacted by XXXX agencies simultaneously. This is a debt from XXXX but filed as collections in XXXX for the first time on the credit files for it to be within statute of limitations in XXXX Its an XXXX XXXX XXXX bill which never came to light until XXXX. Ive been contacted numerous times by XXXX debt XXXX simultaneously who are both trying to collect for the same debt. XXXX XXXX and XXXX. It seems like unfair and deceptive practices to manipulate the debt XXXX timeline like this. I signed up with XXXX in XXXX and they never mentioned anything. Because of their shady practices I came bringing up a bill with my current provider that was never being pursued by them until I thought I was a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : XXXX XXXX Experian Mortgages company involved : XXXX XXXX XXXX XXXXXXXX XXXX payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXXXXXX XXXX  and XXXX as a XXXX vet. 

On XX/XX/2022, my servicing mortgage was transferred from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. That meant that after that date XXXX XXXX XXXX XXXX XXXX collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX was {$0.00} On XX/XX/2022, amount due to XXXXXXXX XXXX XXXX was {$2300.00} I made payment via my XXXX XXXX banking. My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. 
On XX/XX/2022, amount due to XXXXXXXX XXXX XXXXXXXX had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including Past Due Balance of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX withdrew the money but did not apply it to my mortgage. 
On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. 
On XX/XX/2022, I phoned XXXXXXXX XXXX XXXXXXXX customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential XXXX Exemption Status Letter on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX should have received those documents because it should have been transferred with my file from XXXXXXXX XXXX. I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. 

On XX/XX/2022, amount due to XXXXXXXX XXXX XXXXXXXX was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. 
On XX/XX/2022 I filed for Loss Mitigation workout option. 
On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The Plan was to provide temporary relief and determine the inquiry of tax exemption letter. 
XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
Product: Debt collection

I received an alert today that an account from this company was reported to my credit report and I have not received any notice or anything at all explaining why! I do not have and written contracts with this company and have NEVER been in contact with them! This is against my consumer rights that this was done and I want it fixed immediately and my 32 points reimbursed to my report or I would have no choice but to exercise my consumer rights and take further action!