23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Bought a vehicle and financed through Navy Federal Credit Union. Once I paid off the loan and attempted to remove the lien from my title, I found out that the lien was given to a third party by Navy fed. I have tried to contact the 3rd party but no reply. The XXXX will not remove the lien from my title until he releases it despite Navy Fed acknowledging their wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance  Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX  XXXX Balance Owed  : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

AMER FST FIN XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt or credit management

JCS Ref Number : XXXX Jefferson Capital Systems , LLC ( Jefferson Capital ) is a debt collector and the owner and current creditor of your referenced account. We will use any information you give us to help collect the debt. 

Our information shows : You had a XXXX XXXX account from XXXXXXXX XXXX  with account number of XXXX. Your JCS Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$2900.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$2900.00} The amount is wrong. They sold my account to Jefferson capital. They threaten to report this on my credit report. The account was written or charged off. I never received any paper trail of this bill from comenity bank. I have to deal with spam callers from comenity bank after I make payments over the phone or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert on my Experian credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX XXXX as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to XXXX XXXX XXXX. So I disputed this info directly on the Experian website ( am waiting results ). I reached out to XXXX and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to Experian and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.
Product: Student loan

On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CREDIT BUREAUS HAVE NOT REPORT MY INFORMATION ACCURATELY, THEY HAVE FAILED TO REPORT MY CREDIT FAIRLY BY LAW THROUGH THE FAIR CREDIT REPORTING ACT THAT IS THERE TO PROTECT PEOPLE AS ME WHO IS IN SUCH A SITUATION LIKE THIS, NEVER HAVE I GOT NOTIFIED ORALLY OR WRITTEN. THIS IS UNFAIR PRACTICES AND NOT JUSTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$7900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$9600.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$50.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX - NOT MINE. 
XXXX XXXX {$470.00} Date Opened XX/XX/XXXX
Product: Checking or savings account

We deposited a check Thursday and it was cleared Friday, however the fund was charged back next Monday for " XXXX  ''. Our knowledge is if the check was XXXX, it should not be cleared Friday. The bank 's misconduct caused us big loss.
Product: Credit reporting

Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have myself added to my wife 's checking account at XXXX XXXX on XX/XX/XXXX. The informaiton from Experian is that they could not validate my dentity, and caused the addition to be canceled. We made several calls to Experian, the 1st rep said this was because someone tried to enter my Social Security too many times and caused it to block, but could not give any additional information. Called, back and was told that there were no blocks and that we would have to file a dispute with a hard copy of my credit. ( I have a copy, and there is no reason for chase to not be able to open the account ) I called again, and asked for a manager, and the rep was nasty, ( XXXX ) and after 30 minutes on hold, hung up on me, because I insisted that a Manager call me back if not available. 

I had an issue in the past with Experian mixing my credit information with another person, and had to have that resolved. There are also notices on there website regarding my information for my email being compromised, but the reps spoken with have no indication of that. 

The bottom line is that there is some issue with my SS # with Experian, they do not know and can not fix it, and I am unable to change banks because of this. I am am homeowner, and just purchased a new car in XXXX of XXXX, and should not have this issue.
Product: Mortgage

We were on COVID forbearance from XX/XX/XXXX till XX/XX/XXXX. After taking from XX/XX/XXXX till XX/XX/XXXX to work out a modification program, what they offered was adding 168 months to our term and lowering the payment less then {$100.00} per month. Since we have to be current with our loan to even ask about removal of PMI ( {$550.00} per month last statement ) we have no options but to start to pay. I called in and spent over a hour trying to talk with someone. It seems to me that Caliber Home Loans is really only interested in helping themselves at this point. I am not asking for a lower rate, but if you put in all the figures into Calibers OWN calculator the payment is {$600.00} per month LOWER with PMI then they are offering us.They even ordered a new valuation of our home and it shows we have over 80 % equity in the property now.
Product: Debt collection

I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX , XXXX and XXXX  XXXX  XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX  has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX   balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate The consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act and regulation E. These actions have caused significant Inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate and unverifiable reporting of late payments on my credit file. These entries violate the FCRA, which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information and verify all reported items upon dispute. 

Despite my efforts to address this issue directly with the data furnished, no sufficient evidence has been provided to justify these late payments entries. Their presence on my credit report continues to cause significant harm to my financial standing. 

I have attached a detailed dispute letter that outlines the legal violations in question and provides supporting documentation to sustain my claim. I request immediate action to investigate and correct this matter.
Product: Vehicle loan or lease

Every 4 months my account is eligible for 1 month of no-payment, every time I apply they gave me extra balance, besides, they lie to me on the phone : 10 days ago I called and applied for an extension, a person on the phone pronounced that extension has been granted and there is nothing due on XX/XX/2020 but balance was not moved anywhere, I believe they steal money from me and make sure my account has additional charges it is totally ridiculous! I just called them today on XX/XX/2020 and a person requested {$50.00} for an extension stating that it is a company policy I never paid {$50.00} before????? They are truly stealing money from people and I feel really bad for them and for their CEO XXXX XXXX. I'm asking you to please investigate their company because I go with what they said, they stated to me on a recorded line extension has been granted so I wan na see that, the fact that their associates barely speak English and don't know their job totally on XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. 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 via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Product: Credit reporting, credit repair services, or other personal consumer reports

The two student loans that show on my credit, was removed back in XXXX earlier in the year. So in XX/XX/XXXX they put it back on my credit. I complain to the bureaus about this matter, and nothing was done. I need it off, because once it drops off my credit it was never supposed to be back on it.
Product: Checking or savings account

On XX/XX/20 I made a deposit of XXXX XXXX XXXX. I was give a receipt that totals XXXX. In the next few day I told the manager he said they would look in to it. After a few more days I returned to speak with the manager he instructed me to file a police report which I did. After waiting and hearing nothing I contacted the police and was told they couldn't help me. I send a registered letter to the bank and was told they couldn't help me I asked to see video tapes and they refused. My bank is Old National Bank in XXXX Illinois
Product: Credit card or prepaid card

My daughter bought a pre paid vanilla visa gift card from XXXX XXXX and had {$500.00} put on it can provide receipt. Before she even had a chance to use it her money was gone and we can't get anywhere with them or on how to get it back after the store promised to refund her money to her... It's been a on going headache for about a week she bought card on the XXXX of XXXX. When you call card it says to activate it at the store ....
Product: Mortgage

Hello XXXX XXXX here. My MTG was bought from MBNA by Fifth Third Bank. Had an insurance claim start under MBNA, they sent me my check and withheld 10 % until completion of work. For another check after Fifth Third Boght my MTG and. Now they won't release funds until I have signed contracts and W-9 s from the previous contractors. Well that's not right. They should not be able to apply their method to work done while they weren't the MTG holder. Now they want me to call back contractors and get this paperwork for jobs completed months ago. Not to mention some of that paperwork is in any garage because the house is a mess and all the furniture is in my garage. Now they are essentially telling me to get paid check receipts and send to them and maybe that will work. Maybe? This is crazy I have an $ XXXX home with a $ XXXX MTG and forget forget about the $ XXXX insurance check, I've upgraded $ XXXX in this home that they hold as the asset. Now they are holding {$11000.00} until I get this paperwork. I'm sure I'm not the only one they do this to? Just jerking me around to keep my money. Absolute scumbags. Go stop them from screwing homeowners. It's kind of your job! As you can see from the pics attached the work is moving along nicely. 
What's done : Floor and walls and basement Drop ceiling basement HVAC Basement Refinish Hardwood 1st floor New banister and railings Drywall completed Ceilings and walls painted Installed hardwood in Master bedroom instead of replacing carpet Paint Master Bedroom Left to do : Master bath Tile Tub and shower. It's incredibly frustrating to be treated like I'm stealing the money and to not be trusted as grown adult. Just stupid.
Product: Bank account or service

Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.