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

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning this account : XXXX XXXX XXXX  XXXX. 

The respective company has acknowledged this errors and has committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the account. 

I am requesting a comprehensive investigation into this account and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Mortgage

I've had a mortgage with Associated Bank since XX/XX/XXXX. The last two months, XX/XX/XXXX and XX/XX/XXXX, late fees have been applied to the loan despite paying the principal and interest portions before the grace period ending. I called Associated Bank on XX/XX/XXXX and XX/XX/XXXX in an attempt to find a solution to the same problem occurring again. They said I would be required to call every month to have someone manually reverse the late fee. I asked about calling less frequently and waive multiple fees at once.

The customer care representative said she was unsure if I could do that. I then went to my local branch and talked to the Assistant Manager, XX/XX/XXXX ( spelling? ) about the same issue in an attempt to find a solution. He told me they would no longer waive the late fee unless the full payment was made by the end of the grace period.

So, despite the practice of paying the principal and interest by the XXXX  of each month for the past 12 years, I am now being told Associated Bank will do that. It appears to be retaliation for contacting them in efforts to resolve them incorrectly applying late fees.

I believe XX/XX/XXXX. XX/XX/XXXX intentionally intimidated me and was uncooperative in an attempt to punish me for complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Debt collection

On XX/XX/2020 Midland Credit Management sent me a debt collection letter violating 6 federally protected consumer rights under 15 USC 1692. 

1. Violation 15 USC 1692c ( a ) ( 1 ) - MCM has no consent orally or written to contact me. They have sent a letter to my home inconveniencing me and causing mental anguish.

2.Violation 15 USC 1692d ( 2 ) - The debt collector harassed me in the letter threatening to file a lawsuit against me for an alleged debt. Using obscene language by stating that I owe a debt.

3. Violation 15 USC 1692e ( 3 ) - Several times the debt collector has given the false representation that they are an attorney and that the communication is from an attorney. A company can not give power of attorney because the entity is not a natural person. 

4.Violation 15 USC 1692e ( 5 ) - Threatening that they intend to file a lawsuit whenever they can not. Only a natural person can give power of attorney. They have no intent to sue me.

5. Violation 15 USC 1692j ( a ) - furnished a form causing false belief that the original creditor is involved in the debt collection. When in fact I am the original creditor.

6. Violation 1692e ( 2 ) ( a ) - supplied a false character amount of the alleged debt owed. Stated a positive balance instead of a negative balance. This is false representation. How could a consumer pay on a positive balance? 

I have attached the documents I sent to the violator.
Product: Debt collection

I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.
Product: Checking or savings account

I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.
Product: Vehicle loan or lease

Hello, I used Chrysler Capital to finance my XXXX. Well long story short, I went with a local bank for better service. I had the local bank pay off my loan and Chrysler Capital applied the amount a on my due date for my payment but did not show the transaction on my online history. So, I paid the monthly payment amount of XXXX on XX/XX/2020 at XXXX XXXX. I have a confirmation number of XXXX. I talked to a rep from this bank on XX/XX/2020 Chrysler Capitol will not return my payment on the paid in full closed account unless I fax them my Bank statement with the transaction at XXXX. 
I do not feel Chrysler Capital needs to see what is in my bank account or any other transactions on my statement. I feel this bank is trying to fraud me out of money I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX CT XXXX XXXX NY XXXX I also found incorrect spelling of my name XXXX XXXX XXXX
Product: Debt collection

I received notice from LJ ROSS ASSOCIATES , INCXXXX about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, XXXX5 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to LJ ROSS on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent LJ ROSS another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to LJ ROSS ASSOCATES, INC. on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

There has been a breach of confidentiality with the XXXX " Ocwen Loan Servicing ". 
This company that collects money, has people in XXXX who know nothing about fianancing banking, or customer service. 
Documents were received at my home yesterday that ARE CONFIDENTIAL and were in an unsealed envelope. The documents inside the envelope WERE VIEWED. I am trying very hard to get rid of this company and refiancebut that is impossible because the data and the many mortgage servicers that handled this loan IS IN COMPLETE DISSARAY. 

Also Ocwen needs to stop sendin me certified mail to my home. I am not home to receive this information, work long hours during the week and do not have time to visit the post office to pick up their XXXX. 

Bottom line this organization needs to be shut down, sued with a major law suit.
Product: Payday loan, title loan, or personal loan

Loanpal continues to refuse to update my account to reflect a legal name change from XX/XX/2020. Since this is an attempt to illegally block a legal name change by refusing to acknowledge it I will keep filing complaints every time I am ILLEGALLY dead named on my statements. I will also file a discrimination complaint with the federal government for every statement loianpal illegally dead name4s me on.
Product: Mortgage

Vystar had a system conversion and took my mortgage out three times in two days immediately after the conversion on XX/XX/XXXX and twice on XX/XX/XXXX. Can not get through after 40 mins and drove to office. They could not get through. Been sitting in the brach manager office and she can not get through.. Can not see any transactions on the phone app since that is all jacked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX A XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent information to XXXX without my consent and violated the privacy consumer act that prohibits 15 u s c 433.3 and 15 u s c section 1601 and third party reporting information that was released without my consent i feel behind do to the enormous economic crisis with job loss and inability to pay on time debts
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Debt collection

Its been almost 2 months and LVNV Funding has Not responded to 2 separate validation letters attempts. 

They are non-compliant with the law. 

I have the XXXX receipts showing when they were received by LVNV. I also have copies of the 2 letters that they received and refused to respond to. 

I have no idea what these adverse, accounts are regarding as they havent provided Anything to me to validate.

LVNV also didnt alert the credit bureaus to the fact that these 2 XXXX XXXX XXXX were under dispute and that is Illegal.. 

They are disparaging my character and preventing me from obtaining new credit.
Product: Mortgage

BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.
Product: Credit card

Chase is unable to resolve a dispute I have with XXXX XXXX XXXX. The credit card company considers a transaction by the Merchant as valid even though it was a keyed credit card entry by the Merchant over the phone without disclosures or signed agreement, and no goods or services was provided. If true, anyone with my credit card information could make charges without evidence of delivery or my authorization. I have called multiple times and asked Chase to reexamine the dispute without a fair outcome. 

I am enclosing a letter I provided with details of the dispute. Thank you in advance for any assistance provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : credence Resource manage ( XXXX ) Account name : First Premier Bank Account name XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  ) Account name : XXXX XXXXXXXX XXXX XXXX  ) has violated my rights XXXX5 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 veals.

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

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 XXXX XXXX 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: Debt collection

I received a call through a relative, on their phone from a place that identified themselves as XXXX XXXX XXXX associates. They called from XXXX. I returned the phone call. After asking for my social security number which they already had, they were asking me for information. I continually asked them what this was regarding and they finally told me Citibank. They said Citibank had sent me a bill for an old debt and I ignored it. They said Citibank had a defaulted balance from me for {$10.00}, XXXX and they tried to settle with {$1500.00} a week ago and I did not accept it and said that I tried to defraud Citibank and they were going to sue me. They continued to ask me questions and I told them I would contact Citibank and find out what they need from us. She continued to talk and I disconnected.
Product: Checking or savings account

XXXX made unauthorized withdrawals from my RobinHood account. I was made aware on XXXX XX/XX/year> that withdrawals were made to my account from XX/XX/XXXX through XX/XX/XXXX. I contacted both Robinhood and XXXX neither have resolved the issue. Rather than help, RobinHood closed my account, after my repeated persistence to produce documents and a resolution. Also, provide me with a answer o why they allowed XXXX  of transactions to go through without verification
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charge fees due to lagged posting of charges in credits this issue aligns with recent CFPB findings against XXXX XXXX for similar practices or transactions, settled within sufficient balances, despite initial available funds, I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Payday loan, title loan, or personal loan

Hi someone took a loan out in my name and I owe XXXX. I think my wife did it without my consent. My wife told me it was fraud and she didnt take it out in my name. I suffer from sever mental illness and dont remember giving her consent at all. Please everyone be careful with your information and dont give it out period to anyone or you will be in my shoes with a loan in your name that you never took out or authorized.
Product: Debt collection

XXXX Credit collection services has been harassing at work to pay a debt in the amount of {$530.00} ; a debt I do not owe. I did not given any written consent for this company to have my personal or private information. I did not sign any contracts with this company. This company has contacted me many times via mail and on my cel phone to collect a debt I do not owe and they have no legal right to collect from me if I did. They have violated many of my federally protected rights as a consumer and caused me major stress while calling e at work interrupting my work.
Product: Checking or savings account

Fraud deposits have been made on my account so it was froze but I don't have access to the funds that was previously in my account to them placing a freeze that is for 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXUS SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Chime, through its affiliate XXXX XXXX  XXXX, fraudulently opened a checking account in my name without authorization and failed to close the account after repeated attempts through email, web chat and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown item must be deleted : XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX .... Date Opened XX/XX/2020 Balance {$1000.00}