23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 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 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

When I tried to trade in my vehicle for a new vehicle I received a message from Navy FCU. 

Your application is still pending. The XXXX XXXX XXXX would like to advise that conditional approval is granted for {$45000.00} pending that the following is completed : - Provide the missing title for loan # # # # #. Navy Federal Credit Union must be listed as the lien holder. You may take the XXXX recorded title to your local Navy Federal branch or mail it to our title processing center : XXXX Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. We can not accept a faxed copy of the title. 

- If you are unable to provide the title for loan # # # # #, the loan must be paid-in-full or refinanced into an unsecured XXXX XXXX loan. Please be advised that the refinance application will be subject for review by our XXXX XXXX XXXX to determine if you qualify for the loan amount, monthly payment, and interest rate applied. 

Please respond within 14 days of the original date of application, XX/XX/2023. After that, the application will no longer be valid. 

I sent them the title in XXXX XXXX called Navy FCU and showed them proof that the title was sent in. Then they changed their story and said that they received the title but XXXX is still on the title as the lien holder. She explained that I will have to call XXXX for the lien release. I called XXXX for the lien release and I'm still waiting for it to be delivered. 

Why wasn't I notified of this only when I needed to trade in my vehicle 6 months later and then threatened to convert my loan to an unsecured personal loan and raise my interest rate. 

It is XXXX they gave me this notice holding up my trade in for a new vehicle. Not only that, I have till the end of year to receive the XXXX credit for the new vehicle. This needs to be traded in for that vehicle. 

Navy FCU use XXXX bias to target me for their discriminatory practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXXXXXX XXXX Chex System has an someone registered with an outlook email account, with two numbers ending in XXXX, and XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX ( this is the one that is under the chex system ) XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. My XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my Drivers License and Social Security Card is being used. 

Please assist me
Product: Debt collection

Thrift Investment Corporation is reporting an alleged delinquent debt for a XX/XX/XXXX {$7000.00} auto loan with the payment terms as {$280.00} monthly for a period of XXXX XXXX. The alleged debt is reported by Thrift Investment Corporation as a delinquent debt in the amount of {$6600.00} on my XXXX consumer credit profile. The vehicle associated with this account was repossessed by Thrift Investment Corporation in XXXX, XXXX in the State of Maryland. The alleged payment history and alleged debt amount are believed to be both inaccurate. The alleged debt is believed to be uncollectible and unreportable to consumer reporting agencies because to date, XX/XX/XXXX, I have never received a notice from Thrift Investment Corporation informing me of the date of the sale of the repossessed vehicle, the amount the repossessed vehicle sold for, any applicable refund due me or deficiency balance owed regarding the sale of the repossessed vehicle, or any other pertinent information required by Maryland law. According to information provided in XXXX XXXX and XXXX vehicle history reports, the vehicle does not report as sold or registered after the XXXX, XXXX repossession. If the repossessed vehicle was not sold as required by law, I am not liable for this alleged debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXXXX/XX/XXXX
Product: Student loan

Prior to the start of my loan repayment period I began to research repayment options knowing that I was not making enough money to repay my loans at the price it was stated for. Navient platforms themselves on their " plentiful repayment options '' to help to ease the process of student loans. Their website rather than provide facts suggests a phone call to the company. I called navient in XXXX 2016 to discuss my options. I was told that there was no discussion to be had about repayment options until after I became delinquent on payments. The representative then proceeded to imply that the only thing to fix the problem was to not pay the first repayment fee. Once I became delinquent I called the company again to discuss repayment options. I had been charged a late-fee. I was then asked to give my income/expenses and my co-signers income/expenses. I explained that my co-signer signed with the intention that I would be the XXXX repaying the loan as I was able to. Once the information was collected the representative told me that they were sorry that there is nothing that I could do and that I would have to come up with the payments or that they would begin to bill my co-signer ( who is retired ). I called the same representative back with my mother, who persist that we come up with some sort of option came up empty handed. When she asked to speak to his manager he said " Ma'am, our manager has directed us not to direct calls with this concern to her ''. For the past seven months I have made the payments with the assistance of my parents ( who are unable to assist and are not the co-signers ). I am at a loss of words for the lack of customer service and options available to young adults like myself that are trying to survive in an ever-evolving world that requires such expenses to make ends meet.
Product: Debt collection

I have told this company to not contact my phone and yet the SAME PERSON keeps calling me stating this must be in writing only and the cease calls verbally was only temporary. When U ask how long is temporary she said she doesnt know and continues to talk over me and at one point chuckle when i told her i lost me job and stop calling.
Product: Credit card or prepaid card

Citi advertises the ability to transfer ThankYou Points to airline partners such as XXXX XXXX. When I attempt to use this feature it fails with an unhelpful error message. I have contacted Citi Customer Service 5 times about this error over 3 months. Citi has not explained or fixed it. I know that other Citi customers are able to use this feature. I request that Citi 's senior management investigate and repair my individual account and notify me, in writing, when I can make a transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 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 AE  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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, Has violated my rights. 15 U.S.C 1681 Section 602 A, States i have the right to privacy. 15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the following accounts : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I have been having problems with getting refunded transactions that I never sent using Zelle. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible for them to refund back to me.
Product: Mortgage

In XX/XX/XXXX following two back to back hurricanes I called Wells Fargo to ask if there was assistance such as deferring a monthly payment. I was told yes, they took my information and said I qualified and was approved for a disaster assistance program and that someone would call me within 30 days to explain the details. They said no negative info will be reported because of the protection of the program. I never received a call or letter. I called back before the XX/XX/XXXX bill was due and was told wells Fargo still did not know the specifics and are very backed up please be patient, do not make a payment and someone will call with more details. Toward the end of XX/XX/XXXX a representative called me to say who she was and that Wells Fargo has not decided what to do with all the disaster applicants but will let us know before the end of XX/XX/XXXX. At the end of XX/XX/XXXX I called again and found out my rep no longer worked there and I have not been assigned a new rep. Finally in XX/XX/XXXX I was told I only have two options, pay all three months right now or they will do a full loan modification and re write the mortgage for another 30 years. This was a complete bait and switch. We were not told this was even a possibility and would have found another way had we known. 

I was so angry I started working with another company to do a cash out refi so I could pay off my debts. I worked for 3 months with this other company only to have underwriting deny me at the very end bacause Wells Fargo is in fact reporting me as delinquent to FHA and it shows up on the CAIVERS request. So I lost my refi because Wells Fargo lies. 

I called Wells Fargo several times explain how I was treated and every time they direct me to a customer resolution team. I had to fax a letter explaining the issues and they said they will respond within 30 days. I have not heard back yet. 

I was lied to, misled and forced into a loan modification I dont want. And lied to about no negative reporting that in fact cost me the ability to refi for two years. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i put security freeze on my credit report now when i try to remove it no way to do it no answer from company just auto phone message that runs you in circle no person to talk to way to do on their website so no where to get loan approval this should be illegal called and tryed on website numerus times XX/XX/2020 see lots of complaints about same thing on their XXXX  page experian is a joke should be put out of business
Product: Debt collection

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  Refuse to provide me with the contract information. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never received information after requesting ; Spoke with XXXX XXXX XXXX 

Never gave permission FOR HARD OR SOFT INQUIRES ON my credit. Experian, XXXX and XXXX refuse to remove. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.
Product: Payday loan, title loan, or personal loan

Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more? 
I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.