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

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX OPENED ; XX/XX/XXXX XXXX Thank you for your attention and assistance regarding this matter. 

Sincerely,
Product: Debt collection

Once again i never lived any where other than my house. This company is making false claims providing fake documents in a attempt to collect monies never owed to them. It is multiple law suits with this company on fraudulent claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Product: Consumer Loan

Over the course of the past 2 months, I have unable to secure the refund of approximately {$640.00} in overpayment on a vehicle loan I 've had with TD Auto Finance. TD Auto Finance has not disputed the owed amount but has used numerous tactics to keep delaying the refund. 
1 ) My vehicle ( XXXX GMC Sierra ) was traded in 3 months ago ( XX/XX/XXXX ) 2 ) At that XXXX TD Auto Finance was contacted about the loan payoff due to a trade-in for a XXXX Subaru at XXXX XXXX in XXXX XXXX IL. TD Auto Finance was presented with my home address, which was different from the temporary address I had at the time of purchase of the XXXX Sierra in XXXX XXXX. 
3 ) One month later ( XX/XX/XXXX ) TD Auto Finance automatically deducted another monthly auto payment of approximately {$640.00} because they claimed my loan payoff had still not been processed ( Even though my trade-in had occurred a month later ). I was told that as soon as they processed my payoff, I would be sent any amount of overpayment due me. 
4 ) By XX/XX/XXXX I still had not received my refund and upon calling was told that it takes a few weeks to process the check but that it was about to be sent out.. 
5 ) On XXXX XXXX I called TD Auto Finance again to say that I had n't received my check and when I asked where they had sent it to, was told that they sent it to my previous address ( they had not bothered to update my account information when informed in XXXX XXXX ). They said they would correct it immediately and send a check out to my correct address. 
6 ) On XXXX XXXX, XXXX I called TD Auto Finance again and learned that NOTHING had been done since the XXXX XXXX call - none of the actions TD Auto Finance said they would do had been acted on. They said that their notes aid that this was forwarded to upper management for expediting but it appears no action was taken.I told them that this is unacceptable and the agent ( XXXX ) stated that she would have the check that was sent out to the wrong address cancelled and that a new check will be sent to my correct address. She also stated that this would take 15 days. I complained that this time frame ( given the previous circumstances ) was unacceptable but she said that there was noithing she had the power to do. She also said that they can only send the check by regular USP mail and that no electronic ACH or courier service was available. I told that I made all my payments on time via ACH debit and that they should be able to reimburse via the same method. She stated that they ca n't. She also told me that they have no ability to notify me when the check will be sent or to provide me any notice along the process. 

I find this business policy TOTALLY UNACCEPTABLE and it flies in the face of any spirit of equity in the consumer finance sphere. 

At best, I hope that the CFPB can something to move this process along ( this company obviously makes it a policy to take advantage of the consumer and public at large ). I also hope this serves as notice that TD Auto Finance, while it may or may not be conducting itself legally, it certainly is unethical in the way it deals with it 's customers. 

XXXX XXXX.
Product: Checking or savings account

Hello, I sold a car online and the buyer mailed me a paper check of {$18000.00} that was {$4000.00} over the price of the car so I would pay for the tow to come pick it up, it was all a scheme, but I deposited the check in my Santander account and after the check was cleared, I called Santander to confirm, I told Santander the full story that the name of the buyer was different than the name of the check, so I wanted to confirm and guarantee with Santander that wasn't a fraud, Santander told me there is no way it could be a fraud the check was good and the funds were already available in my account, so with that guarantee I transferred to the tow person {$3500.00}, The next day Santander told me that the check had no funds and returned it with a fee, blocked my account, charged some fees and I lost the {$3500.00} that I sent, I went to the police station, and they told me Santander should fix it, I sent all my support documents, to the Santander Fraud section, but they refused to honor their word and pay me back what I lost. 




I please need help
Product: Credit reporting

There are several remarks listed on credit which do not belong there. No verification is obtainable and the following remarks need to be removedState Tax lien # XXXX XXXX # XXXX Outdated and inaccurate all XXXX XXXX accounts are open and active and paid on timeXXXX XXXX XXXX Inaccurate and needs to be removedXXXX XXXX XXXX XXXX Unknown and no such debt owedXXXX XXXX XXXX Unknown and tried to request verification nothing is obtainableI want the above removed off of my Experian credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Product: Debt collection

The company, MIDLAND CREDIT MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Credit reporting or other personal consumer reports

Please send my credit report I have been requesting for under the FCRA. For three months, LexisNexis has repeatedly REFUSED to mail me a copy of my credit report, even though I have submitted, online and via phone, my Full Name, Physical and Mailing Address, Phone Number, Drivers License Number, and Social Security Number. I want a copy of my Credit Report required under FCRA and they refuse to mail it, stating they couldn't " authenticate '' yet they continue to provide third parties negative reports about me the same information. 

On XX/XX/year> I received a letter via mail from LEXISNEXIS Consumer, including a Case Number, ( Attached to this complaint ) they again refused to give me a copy credit report. 

On XX/XX/XXXX, I called the LexisNexis Consumer line XXXX, and spoke with XXXX, and the Supervisor XXXX, for almost TWO HOURS, again they refused to mail a copy of my report. Now stating they could not " authenticate '' my address even thoughI received a letter via mail at the authenticated address. Please send my credit report I have been requesting for under the FCRA. Thank you
Product: Debt collection

I request that Equifax investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach
Product: Checking or savings account

I opened up my SoFi account for a job I applied for to use as direct deposit. I finally realized the company was a fraud. So I checked on my account w SoFi and sure enough a person took the money out as a friend transfer. I dont know the person. I didnt authorize it. The company asked for me to send them the communication I had w the company to prove my case. Every time I tried to send it to the email they told me too it comes back unauthorized. Now when I call in on their phone number it disconnects me. I had to call in on the new loan number to get someone. I was transferred everywhere. I feel this SoFi is as much of a fraud as the XXXX XXXX XXXX  Its only XXXX but its the purpose and what these people are doing to others. I appreciate your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a phone call from my banker and he notified me that someone tried to obtain credit cards on my behalf, so advised me to check my credit report and if I got anything suspicions on my report, so I found several hard inquires that I never authorized. 
I filed FTC Report immediately and included in this package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires that I never authorized : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Kia Motors Finance regarding an unresolved dispute and the inaccurate listing of an account on my credit report. On XX/XX/2023, I submitted a dispute letter to Kia Motors Finance regarding the account listed under the account number XXXX. As of today, I have not received any response or acknowledgment from Kia Motors Finance in regard to this dispute. 

This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Transunion in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXX On XX/XX/XXXX I sent a method of verification letter to Transunion via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account. Also, they allowed XXXX XXXX Loans to make three changes to my report within a ten day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the individuals likely affected in Equifax 's security breach. They inadequately protected my credit information, and did not respond in a timely and appropriate manner once the security breach was discovered. I have put a fraud alert on my file and checked my credit report through XXXX.
Product: Debt collection

please vertify that this debt was paid in full. And remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX applied for an auto loan 7 inquiries appear in my XXXX transunion credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.and several more in Transunion credit agencies claiming they considerer just 1 inquiry ... .that 's not true Requested delete 7 to 9 and leave 1 inquiry ... that's fair my credit report is damaged for that reason Thank you
Product: Debt collection

NCB Management Services representing XXXX XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XXXX XXXX, 2018 Amt {$3700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, using the site XXXX, I sold a verified user bitcoins in the amount of {$4000.00}. Said user paid the required amount via Google Pay, and the bitcoins were released from escrow to them via XXXX. I withdrew the funds to my bank account immediately. 

Over 3 months go by, and I am informed by Google Pay that the payment had been cancelled and the money returned to said user. I immediately contacted Google to inform them I had proof that the transaction was legitimate and that the user had in fact received the intended purchased product ( bitcoins via XXXX in the amount of {$4000.00} ). I told them I had proof that the user was committing fraud.

Google Pay essentially informed me there was nothing they could do and to contact the user directly or seek a legal solution. They transferred {$4000.00} back to that users account, making my Google Pay balance - {$4000.00} and asked me to settle up.

I told them I would not cooperate with criminals and had no intention of aiding and abetting a fraudster.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I XXXX XXXXXXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Im writing to file an complaint with Navy Federal credit union. Regarding multiple overdraft fees, I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due too lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices. I believe these practices are unfair and request an investigation into my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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