23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

5 years ago I took out a personal loan and my vehicle was used as collateral for the loan. A Lien was placed on the title. I paid off the loan XX/XX/2019 and the Real Time Solutions still has not released the lien on my vehicle. I have contacted them several times and get the run around, with the last contact being today. I am trying to get them to release the lien they placed and they avoid doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal sensitive information, along with 200,000 other peoples ' and allowed it to be leaked to hackers. According to their website, equifaxsecurity2017.com I am a potential victim. There was no notification, even though this was known to Equifax executives months in advance. 
I would like to see a rectification for this grievous error.
Product: Debt or credit management

I was having hard times and needed a change, I decided to try Lexington because I received a few EMAILS about them helping with credit repair. I spoke with a rep. that soon pursued me to trust them with helping with credit repair. after we spoke I provided my banking information so we could get started repairing my credit. after about a month I noticed, they stopped keeping me posted about things that were promised, but money was still being taking out of my account I then noticed I was occurring overdraft fees. When asked when I would see results from my payouts, I either didn't hear back or little feedback. I then had to contact my bank to blocked withdrawals coming from Lexington.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees, Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, Where are transactions settled with insufficient balance despite initially available funds. I believe this practices are unfair and request a investigation into my account transactions.
Product: Mortgage

I got a solicitation call with an offer to refinance from Freedom Mortgage loan rep XXXX XXXX on XX/XX/XXXX. I called back to act on the offer and was referred to XXXX XXXX who took the info and initiated the loan. Few days later I got a phone call to schedule the sign date with notary agent. That was the only time I was asked if I had any questions. We set and appointment on XX/XX/2020 at XXXX for notary agent to come to our home for us to sign new loan agreement. I was expecting closing disclosure prior the appointment to sign date on XX/XX/2020. We should had at least 3 days to review it and contact to ask questions. When didn't get our new agreement to review - I called and left several messages in period from XX/XX/XXXX and made last attempt to get any information about charges and fees during the appointment on XX/XX/XXXX, as the notary agent brought 2 copies of the loan agreement with her. None of those calls were returned and I made more then 2 dozen of them and left notes and messages to 10 different people. 
In the new loan agreement we've got from notary agent our loan amount was increased by {$2800.00}, there were fees that were not spelled clearly and their amount was different from {$690.00} that we were informed by. Our closing disclosure had XXXX XXXX XXXX as a contact, we never spoke to that person either. 
XX/XX/XXXX I got an e-mail from XXXX XXXX ( Escalations Team Agent ph # XXXX ) with an offer to give her a call. I tried to call, left several voice messages, replied to e-mail but got no rely or call back. I also sent a copy of that e-mail to her supervisor XXXX XXXX and left him voice messages several times ( on XX/XX/XXXX and XXXX ) with the same result. My last communication attempt was XX/XX/2020. That is 3 months of me calling Freedom Mortgage and them not returning my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), you are required to ensure that all reported information is accurate, fair, and verifiable. If an item can not be fully verified with proper documentation, it must be immediately deleted from my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, This item is inaccurate and/or unverifiable, and I request that it be removed from my credit report. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA, if a credit bureau can not verify the accuracy of an account within 30 days, it must be deleted.

Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), any alleged debt must be validated upon request. If this account was placed by a collection agency, I demand proof that : 1. The debt is legitimate and belongs to me.

2. The reporting entity has the legal authority to collect and report this account.

3. All reporting complies with federal consumer protection laws. 

I have attached copies of my identification and supporting documents ( such as dispute confirmations, correspondence with the creditor, or payment records ) for reference. 

Requested Action : If this account can not be verified, it must be removed immediately per the FCRA.

If this account is verified, I request a detailed explanation of how it was verified and by whom.

Failure to comply with federal law may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

I expect a written response within 30 days as required by law. Please send all correspondence to the address listed above. 

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

This is 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. Please remove the following Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX XXXX XXXX  : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX  : {$23000.00}
Product: Debt collection

On XX/XX/XXXX, I sent XXXX formal letters to the Credit Collection Bureau, requesting validation of the alleged debt. These letters also requested any documentation indicating their authorization to collect on the debt in question, and XXXX of the letters served as a cease-and-desist notice. However, they did not comply with the cease-and-desist request and subsequently filed a judgment against me, which, to the best of my recollection, was dated XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter, dated the same, stating that they intended to seize my personal property if I failed to contact them and arrange payment. This letter arrived on XX/XX/XXXX. On XX/XX/XXXX, at XXXX AM, I placed a phone call to the Credit Collection Bureau, which was terminated when I informed them the call was being recorded. Later that same day, a sheriff visited my residence, inquiring about how I intended to resolve the outstanding debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit card

On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.
Product: Credit card or prepaid card

I opened a TJX Rewards Credit Card account in  XXXX  on Synchrony Bank with a credit limit of {$300.00} and I paid on time never missed a payment. I paid off my off my balance on XX/XX/XXXX  and I have not used the card since. I received a letter from Synchrony Bank saying they have closed my account due to 1 ) number of accounts with delinquency, 2 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. 3 ) Proportion of loan balances to loan amounts is too high. 4 ) Length of time revolving accounts have been established.
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I never heard of this because there was no problem until I paid my account off and stopped using the card. I can do without this card but the principal I did not ask them to cancel the card. I do n't have a number of accounts with delinquencies and what gives them the right to cancel which dings my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I thought I was making a legitimate purchase for a Siberian kitten. The website XXXX XXXX XXXX Seemed legit, they sent me a contract, had me sign it. And everything was a scam. I found out from XXXX  reviews they have scammed others. They provided me a fake tracking number for the kitten to be transported from out of state. I was instructed by the merchant to use PayPal and to send it by family and friends. PayPal refuses to refund my {$870.00}, my bank XXXX  XXXX who I disputed already 3 times wont refund my money and I sent every bit of proof that this was a scam. And they refuse to give me my money back And even if I did use PayPal to make the payment. The payment in my opinion should have been flagged because it was such a large amount to be spent. So no fraud protection was present. My rights as a consumer I feel have been violated. And I will be leaving XXXX  XXXX XXXX  if I do not get this resolved immediately All PayPal said they will do is keep reaching out to the person but do you really think a scammer is going to answer? Absolutely not. So thats worthless
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

I received a collection from Online Information Services XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I called and spoke with someone at XXXX XXXX and they told me the service was turned on between XXXX XXXX XXXX. This company is based in Texas, and I live in XXXXXXXX XXXX. This is the 2nd time this is happening. I have never lived in Texas.
Product: Debt collection

For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX  on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE WELLS FARGO CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Trans union is govern by 15 usc 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give transunion written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to XXXX, Equifax, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX XXXX XXXX. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ive been called XXXX times a month or more for years by debt collectors looking for someone who doesnt exist at my number. I have given them my name and the fact im a retired veteran and how long ive had the phone number for ( over a decade ) both in a polite and angry manner, allways telling them to stop calling but they dont. I should not have to change my number since its the number the XXXX and military knows. They are harassing the wrong person calling at XXXX at night and XXXX in the morning. the last numbers were XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX # XXXX My phone is XXXX Email XXXX Two XXXX XXXX Credit Cards settled closed : XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) Two XXXX XXXX Credit Cards settled closed : XXXX XXXX XXXX # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my Equifax credit report See Attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXXXXXX XXXX/Account # XXXX, Account XXXX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # 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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over documents to Experian to remove inaccurate information and well as inquiries on my report and they have not removed them even with all documents sent such as social security card and drivers license and FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Bank account or service

In early XXXX 2016, I establihed a cross-border account with TD Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the TD bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. 
The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. 
The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. 
I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. 
The account is now closed. 
I have been told on XXXX XXXX, 2016, that TD Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.