23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.
Product: Student loan

The complaint is with XXXX XXXX and Navient and has XXXX distinct partsServicer Issues:1. The servicers had discussed my loan issues/represented a negative connotations about my loan to family members in order to embarrass me. 
2. Threatened that i would be sued and my wages would be garnished and liens on my property3. Blammed me for the situation I was in and got very confrontationalPredatorial Lending:1. Material changes to my loan were done without fully informing me of the ramifications as I as bullied to accept the new payment schedules for fear of legal reprisal. 
2.I have filed a formal debt dispute and they are still contacting the co-signer saying that it is not applicable to themLastly and this is the kicker -- I was on a repayment plan with them, provided them with my CC and Bank info and they just stopped taking payments. According to them the payments would n't go through however there was money in the account. every time the due date rolled around. The purposely tried to default this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )
Product: Mortgage

in XX/XX/year> we have noticed limited access to our online mortgage account with our mortgage New REz ( act # XXXX ), and when printed the stmt we noticed change of name from our name of XXXX XXXX and XXXX XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, Ca XXXX changed to XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and added C/O XXXX XXXX XXXX  who we know as being an attorney representing the Plaintiff next door ). This was done without our consent and without our mortgage company notifying us of any of this. We have been calling them since XXXX of 2024, and when talking to them to find out what was happening they refused to discuss status and details of the account as if the account does not belong to us, but meanwhile we have full access to the account and were paying mortgage payments every month and tax and insurance. They told us that a counsel will contact us but we never heard from anyone. Today we tried contacting them and did advise them about our situation being impacted by XXXXXXXX XXXX XXXX XXXXXXXX, and living in my sisters bedroom with XXXX family members without any access to computer and fax machine, they are asking us to request this information in writing via computer or fax. we are going to go to XXXXXXXX XXXX XXXX and try to get this request sent to them via computer. But we are desperately needing your help in finding out status of our loan, who is modifying terms and contact info. I am sending copy of my most recent mortgage statement showing changed address. We can not get any information from them at this time.
Product: Payday loan, title loan, or personal loan

To whom it may concern, so i applied for a credit application on XX/XX/2022 for personal, Family, household purposes. had seen a XXXX  XXXX XXXX that i wanted to purchase with credit. so i went thru the credit application process INCLUDED my credit card as defined under federal law Truth And Lending act ( TILA ) as any card, plate, coupon book or any credit devise existing for the purpose of obtaining money, property, labor, or services. which then gave carvana access to my open end credit account also defined in ( TILA ) then i got a offer asking for XXXX for a down payment. my only problem with this as im reading ( TILA ) under XXXX titled finance charge. the finance charge shall be the sum of all charges is this true? meaning grand total shall be no more charges as i already payed for the truck under my open end credit plan. it later says that the finance charge does not include a type payable in a comparable cash transaction. meaning no wire transfer, no cash and nothing comparable to cash. so for carvana to try swindling payment from me they are also advertising sale XXXX ( XXXX ) that a specific down payment is required in connection with any extension of consumer credit. carvana aided and promoted such down payment willfully knowingly to undermine me as a natural person. would like to note that i was also not offered insurance for my credit transaction can you explain why? thank you
Product: Vehicle loan or lease

On XXXX XXXX XXXX I obtain a copy of my credit report as i was going over my report i seen account in the name of credit acceptance opened on XX/XX/XXXX this isnt mines i never obtain any credit from this company ive called this company to inform them and also ive filled a police report
Product: Credit card

The credit cards with USAA, XXXX, and XXXX have extremely high interest rates, variable, and after 6 years of paying them on time, I still have the same balance. I have paid off the principle 3 times on each card, but the payments are so high I then use them to live so the balance never goes down. This year I called all 3 companies in an attempt to negotiate the principle so I could pay them off. They will not negotiate. Again, I have paid off the principle amount 3 times. 
Thank you
Product: Debt collection

HI PROFESSIONAL CREDIT ANALYTS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

I began working with a broker ( XXXX XXXX ) with Movement Mortgage XX/XX/XXXX. I wanted to refinance my current home, as it was to become a rental property and purchase a new home. I would have 2 transactions with their company. Over 3 months later, there was no progress nor were we moving forward on these transactions. 

On XX/XX/XXXX the broker ( XXXX XXXX ) informed me she was moving to another mortgage company ( XXXX XXXX XXXX ) and wanted to bring my accounts with her. It is my belief the broker was holding my file to take my business with her when she got setup with a new company, however, I had always expressed my desire to close as quickly as possible. I advised XXXX XXXX I wanted to move forward with Movement even though she was no longer employed there. In the meantime, XXXX XXXX, submitted an application, ran my credit and sent me disclosures through XXXX, even though I did not authorize her to do so! 

I started working with XXXX XXXX with Movement on XXXX. Ultimately I had to resubmit all documents and disclosures and application due to the previous broker ( XXXX XXXX ) never putting my info into the system at Movement. I paid {$1300.00} for appraisals for both properties ( My current home and the new home ) arranged by Movement and later found out XXXX XXXX ordered the appraisals and immediately put them on hold. No appraisals were completed and XXXX XXXX   service ultimately refunded my money. The process still seemed to not move forward. 

I decided this was not the right company for me to setup a mortgage with due to the lack professionalism, empty promises and lack of communication and I decided to apply with another mortgage company. I informed XXXX, from Movement on XXXX that I decided to go with another lender. I was advised by my new Lender, Movement sent in information to FHA and HUD stating I was a risk and Movement denied me for a home loan, which is not the truth! I lost my financing with the company I was working with and my lender was forced to find a new lender for me. I believe Movement made this claim to FHA and HUD as retaliation for me deciding to go with another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans union to follow up on my complaint, and talked to a supervisor Named XXXX and I asked her about the certified letter and the process to remedy the issue and she replied they can report the info without any consent from me to finish my report even after I informed her of the laws and hardship it has caused in my life.
Product: Checking or savings account

There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. 

In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. 

I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. 

I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. 

My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
Product: Checking or savings account

Chime Financial IncXXXX XXXX XXXX. Fraudulent account open. 

I have never opened any accounts with this institution, yet, I've received a series of emails regarding " my account '', email address changed, phone number changed. logged on activities..etc. 

I emailed the company asking them to investigate and close any fake accounts, but, I received 'please log on to your account to discuss this issue ''. Since I DID NOT open any account, I am not sure how am I to " log on '' to any account.? 

This is clearly a fraud activity and is leading to an identity theft situation. 

Please help. Thank you.
Product: Debt collection

I have attached a copy of a police report for Identity Theft. This account is the result of Identity Theft and is causing me a lot of damage of my Credit Report. Please remove from my Credit Report. Please communicate in writing only and no phone calls please.
Product: Vehicle loan or lease

I contacted GM Financial 3 to 4 times letting them know that I had lost a part-time job due to COVID-19 and that I was suffering a hardship. The first reply I received was asking if I had received a stimulus check and their were not any programs to help me, then they repossessed my vehicle the night before I had to go to work, leaving me stranded. Now I've had to pay them all back monies owed plus the fees for the repo. Now I might lose my house!!!!! Thanks GM
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : 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 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: Checking or savings account

Disputes were filed for two fraudulent charges in the amounts of {$5.00} and {$800.00}, both from XXXX XXXX XXXX XXXX on same date, do not have date available to me at this time. According to live chat rep, XXXX, the dispute amount of {$5.00} was closed out in my favor. However, the additional disputed amount of {$800.00} was closed in favor of merchant. I requested copies of both notices for respective charges, the rep stated he does not have an option to resend to me. I need copies of these notices for my record and police report ASAP. If copies are not available, a letter from Citibank detailing both charges and respective outcomes will suffice
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according t

o 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

Breached my data and is requiring me to wait until X/XX/17 over a week, before providing any attempt at resolving.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ID number : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report : Account Number : XXXX BB AND T I'm the victim of identity theft and I don't recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Product: Checking or savings account

On XX/XX/year> my card was used and debited in the amount of XXXX and I didnt authorize this transaction. I dont have an established relationship with this merchant and it was used to pay a bill that wasnt in my name nor was I notified from SOFI that I had a transaction for this amount. This transaction doesnt fall within the scope of my usual transactions so i shouldve received a notice of this transaction before it was allowed to be completed. Sofi has a history of allowing fraudulent transactions and unauthorized transactions on citizens account la I think the court records from several law suits can attest to this fact. I contacted XXXX as well as the collection agency as XXXX that charged my account which is XXXX XXXX XXXX XXXX debt collection company. I didnt authorize nor give permission for my debit card to be used for said amount.
Product: Money transfer, virtual currency, or money service

My account has been locked for almost a month now for false claim of suspicious activity XX/XX/2020 I was transferring {$230.00} to my childs daycare teacher and the transaction failed I attempted the transaction once again before I received an email and text stating my account has been lock I contacted cash app on several occasions to find a way to have my account unlocked I have been ignored for several weeks I seeking legal action for the false accusations of suspicious activity my child has been kicked from the daycare program because of cash apps negligence!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXXXXXX 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 XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]