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

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 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 , has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

An unauthorized account was established in my name at an address that I never resided at. The account was sent to my credit report by a debt collector. The account was not authorized me. The account is a fraud.
Product: Debt collection

I am writing to file a formal complaint against The XXXXXXXX XXXX ( as well as National Credit Systems ) for their unlawful retention of my security deposit and unethical debt collection practices. The details of my concerns are as follows : XXXX. Unlawful Retention of Security Deposit : Upon the termination of my lease with The XXXX XXXX  on XX/XX/XXXX, I fulfilled all conditions required for the return of my security deposit. However, my security deposit has not been returned to me, and I have not received any reason for its retention. The 30-day window mandated by Texas Property Code Section 92.109 for the return or explanation of retention has long passed. 

XXXX. Unethical Debt Collection Practices : Recently, I received a notice from a debt collection agency ( National Credit Systems ) regarding an alleged charge. According to the bill, the charge was processed XX/XX/XXXX, almost a month prior to the date it was recorded in the apartment complex 's system. Despite disputing this debt, the collection agency has not provided any written documentation proving the validity of this debt. Since my dispute, the only documentation I have received from National Credit Systems is a letter dated XX/XX/XXXX which contained threats to report an alleged debt to credit agencies unless I pay " soon, '' but did not provide a specific deadline for payment. 

I am requesting help in obtaining the return of my full security deposit from The XXXX XXXX. Furthermore, I am requesting assistance in getting National Credit Systems to cease all debt collection efforts until the validity of the alleged debt is verified. The Texas Business and Commerce Code 17.46 prohibits deceptive practices, including making threats without a legitimate basis. National Credit Systems recent letter is a clear attempt to intimidate me into paying a debt that I have formally disputed and for which I have requested validation. If this would be better handled with a separate complaint, please let me know. 

These issues have caused significant stress. I am prepared to provide any additional documentation or information necessary to support my complaint. 

Thank you, XXXX XXXX
Product: Mortgage

We have been providing XXXX XXXX and XXXX XXXX XXXX of Evergreen Home Loans every bit of information requested for months. Specifically and the latest incident is that our loan was declined due to the fact our rental property has not been rented for at least a two year period of time. When we inquired as to why they were telling us this only now when we furnished the rental property information months ago, their response was " lending requirements are always changing ''. In fact we learned that this has been a requirement of the USDA since 2016. Meanwhile, we have to forfeit a deposit we put on a manufactured home at the request of XXXX XXXX, a loan processor for this company to enable her to obtain a copy of the sales agreement in the amount of {$2500.00}. The evidence backing this complaint is in the form of numerous emails we will be happy to forward upon your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Rapido Credit Repair out of XXXX XXXX  charged me {$100.00} a month for 5 months to improve my credit. Well they gave me 2 updates. One at 30 days to call back in 7 more days which I did and they said they had gotten one item removed from credit. Well it never showed in my profile. They said I would continue to see my score rise with the passing months. Well that was last time I heard from them. Every time I tried calling after that time they never answered or called me back. My credit never changed and nothing ever changed on my portal account. I feel ripped off and I am a single mother who cant just spend $ to spend it. I would like a full refund
Product: Debt collection

This debt collector keeps calling my family my work place threatening me that the will be looking for any contacts keep contacting my employer and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXXWESTLAKE XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX  XXXX. XXXX XXXX XXXX ON XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulling my credit XXXX XXXX XXXX transunion and XXXX   having isssue removing my fraud alert with all 3 's XXXX, transunion, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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
Product: Credit card

Its for 2 different disputes that I disputed and they were rebilled. 


Services werent provided for XXXX. Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$230.00} XXXX. 1 product wasnt received from Dispute case number : XXXX Transaction date : XX/XX/2023 XXXX name : XXXX Disputed amount : {$50.00}
Product: Vehicle loan or lease

We purchased our vehicle from XXXX XXXX XXXX XXXX  XXXX for {$30000.00} check and {$20000.00} loan, as we were promised to get helped with paperwork, warranties, insurances, everything that happens to the car in 7 years. 

However, when the accident happened on XX/XX/2023, we found out that XXXX didn't help with paperwork for insurance even though he called our insurance XXXX and printed our insurance slips. 

XXXX XXXX XXXX XXXX XXXXXXXX have knowingly induced discriminatory price and mislead consumers. Without being misled, we would have refused XXXX and XXXX XXXX XXXX 's high price and worked directly with our insurance. We have been purchasing automobile insurances for 19 years, since we started driving in the XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I am filing a complaint about my experience in the XXXX, TN Wells Fargo bank today. I am also filing a complaint against the bank for closing my account due to me having an ethnic XXXX name. There is nothing wrong with my identity and I provided the bank with plenty of documentation. When I went to the bank to discuss this I was made to feel unwelcome and was rushed out. No options were given to me. No help was offered. The banker was rude. His name is XXXX XXXX. The bank manager was engaged yet he did not check on me to make sure I was ok or that my issue was resolved. His name is XXXX XXXX. My experience at the branch today told me all I need to know about this organization. Fortunately I have great banking relationships with XXXX XXXX XXXX and XXXX. They will take care of all of my business needs. Also the letter I received from the bank said I had 20 days to respond. It was dated XX/XX/2021. Yet my account is closed prior to that. Regardless it is ridiculous that this happened. I am very careful not to claim racial discrimination unjustly, but I feel very strongly that this is exactly what is happening. I have had issues with being treated this way due to my name in the past, but my experience in the bank today enforced that this organization should be reported. I also spent money on checks and bank deposit slips. I asked to be refunded and was told No by XXXX XXXX. I am willing to recount my entire experience down to him rushing me out of his office.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Checking or savings account

My debit card information was compromised and reported on XXXX. I filed a Fraud claim for the charges made without my permission and Regions came back saying that after analysis, they find no evidence of fraud. They were the ones who alerted me of the fraud. How can they say they found fraud, followed by saying that there was no fraud? I am out {$680.00} because of transactions made in a state I have never even been to.
Product: Debt collection

On XX/XX/XXXX I place a phone call to a XXXX XXXX known as : XXXX XXXX XXXX XXXX XXXX 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, XXXX. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, XXXX XXXX XXXX XXXX, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX XXXX reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - XXXX XXXX XXXX XXXX reported XX/XX/XXXX on my XXXX XXXX XXXX XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : XXXX. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular XXXX XXXX that warrant this complaint for their unfair practices.
Product: Credit reporting or other personal consumer reports

To whom it may concern, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past, I have disputed debt from XXXX XXXX/XXXX XXXX XXXX since XX/XX/2020 because I did not owe it. the account was closed on XX/XX/2020 and my credit score went down 17 points. when it should have up 100 points. This complaint is against the Experian bureau, XXXX XXXX XXXX, XXXX, TX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I am selling a XXXX XXXX XXXX ( XXXX ) with Serial Number XXXX. An individual agreed to purchase this aircraft ; with the intent to use it in a XXXX organization offering flight training to underserved youth. I accepted a deposit of {$37000.00} on XX/XX/XXXX. Since the rest of the selling price was being financed, his lending institution did a title search. XXXX XXXX XXXX XXXX XXXX XXXX discovered an " expired lien '' held by : Bank of America ( BoA ) XXXX Paper XXXX XXXX XXXX, DE XXXX The Closing/Escrow agent reached out to BoA on XX/XX/XXXX at the above address asking to have the lien to be released. The lien was recorded at the XXXX on XX/XX/XXXX and has a conveyance number of : XXXX. The requesting agent identified the BoA encumbrance information which was dated XX/XX/XXXX. Long story short, the debtor defaulted on his loan sometime around XX/XX/XXXX after he lost his employment. BoA will NOT share information about the loan with me ( amount owed, or when defaulted ). BoA should have taken action to repossess the aircraft back in XXXX. The agreement states the state of Delaware is the state of Governing Law. Well, Delaware has a THREE YEAR statute of limitations on bad debt. Additionally, I was informed that financial institutions have a TEN YEAR records retention law to comply with. I've communicated this and MORE to BoA and have NOT received the requested lien release. By definition BoA is guilty of an ILLEGAN ENCUMBERANCE of my airplane. BoA did compose a letter and FAXed it to the XXXX, BUT in the letter written by the Officer, Resolution Specialist, Executive Escalations for Mortage & Vehicle Servicing stated " BoA is unable to release the lien ''. This is a " XXXX XXXX '' and is the exact OPPOSITE of what the XXXX needs to remove the lien from the files. I do NOT believe BoA is acting in good faith. As a matter of fact, on XX/XX/XXXX said individual called me and stated BoA will NOT respond to any of my emails. Short summary the XXXX can NOT remove the lien without the authorization from BoA and BoA has shut me down from all future communications. " Catch XXXX ''!!! I OWN the aircraft according to the XXXX. I have the XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX. I acquired the aircraft in an auction offered by XXXX XXXX, Colorado which acquired the aircraft via terms of a " Tie Down Lease Agreement ''. The sale was done " in accordance with local law ''. My bill of sale is dated XX/XX/XXXX. Due to the intentional lack of cooperation by BoA, I have LOST the aforementioned sale. I returned the XXXX XXXXXXXX on XX/XX/XXXX with my personal check. I also have monthly hangar rent and insurance costs that I have paid caused by the lack of cooperation by BoA. This is a LOT of information. I have LOTS more. BUT, in the end it is such a SIMPLE problem with a SIMPLE solution. BoA has NO claim to the aircraft and has forfeited their rights for restitution from the previous owner. THEIR inaction or incompetence should NOT be used as a weapon against ME... I am an INNOCENT third party. By the way, I am a 100 % XXXX veteran. I have LOTS of additional documentation, but I didn't want to overload the reviewer.
Product: Student loan

I applied in XXXX through the federal government for the safe income driven repayment plan I sent via USPS XXXX and through their website, written and electronic correspondence, and received no contact They have been overcharging me and month two months. This is not commensurate with my filing information or my wage income. 

I then proceeded last week, apply and resubmit the federal income driven repayment plan under the save provision and Im still being billed an incorrect amount by Nelnet The app is not working, requested electronic assistance and received no relief
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 is fraud. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$85.00}
Product: Debt collection

on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX about a debt owed in my name. I asked for basic information such as their name and address, my original loan information and all of the associated with it such as what was owed. 

They tried to work out a payment system and then asked for my debit card information and when that happened I asked for the basic information that they are supposed to provide. Then they started getting rude and telling me I was gon na have all of my assets taken and I would be taken to court and sued. They wouldn't give me any information that I needed to verify the loan unless I gave them some sort of payment information. 

I only have one car to my name that's worth {$500.00}. They are threatening me that they will take it and sue me in court.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX 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