23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

For a public sale, the lender must notify me of the date, time, and place of the sale so I can have a chance to bid on the vehicle. For a private sale, the lender Didn't notify me of the date when your vehicle would be sold. Regardless of whether its a public or private sale, the buyer may be entitled to buy back the vehicle by paying the full loan amount, plus the repossession costs, before the sale. This is referred to as redemption. 

The vehicle was in the auto shop for three months, while we were making payment. The shop don't inform the buyer of the problems with the vehicle for three months.
Product: Debt collection

Received a letter from Resurgent Capital Services : Current Creditor LVNV Funding LLC stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt LVNV Funding LLC will not sue me and will not report it to any credit reporting agency. So LVNV Funding LLC has placed this account with Resurgent, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, XXXX XXXXXXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized access to credit file
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX someone flew from XXXX XXXX under my name and my credit card number, and a fake email. I have started a dispute with XXXX as well explaining it was not me and asking what identification they used to get on the plane in which nobody seems to know. 
I have made a police report, I have diputed with Bank of America numerous times in which they keep closing my case and not asking for my documentaion. 
I have documentaion from the XXXX XXXX XXXX ( my work ) that I was at work the day before, the day of and the day after that someone had flew with XXXX. I have been a loyal customer with the same email for many years with Bank Of America. There were XXXX charges on the same day that my credit card got hacked and the reimburst for two of the charges but are fighting me on the XXXX XXXX charges because XXXX sent them documentation showing someone flew under my name and credit card number but it wasnt me and I feel like XXXX should have to provide a picture or a identification that that person boarded the plane. I had to cancel my credit cards with bank of america because of their refusal to help me and my credit score went down XXXX points because of them. Also my drivers lisence has my maiden name with my married name as well.
Product: Vehicle loan or lease

My car was illegally repossessed. On top of that, the contract I had with Toyota had several violations so I requested to rescind the contract. Multiple times. I have given many notices with no response, and one day they just come and repossess the car.

Toyota can say that I have defaulted on payments, but Toyota is at fault by committing FRAUDULENT MISREPRESENTATION, UNFAIR PRACTICES ACT, TRUTH IN LENDING ACT VIOLATIONS. The contract between me and Toyota was fraud and voided once I discovered the violations, so Toyota had no right to repossess my property.

I can support my claims in court, and I have notarized the affidavits of truth that I have already sent, and I have also notarized the rescission notice. I have also kept all certified mail documents to prepare a legit claim against TOYOTA FINANCIAL. 

In closing, if Toyota Financial Services so chooses to come to an agreement, then it is my wish that the following terms be provisioned so that my equitable interest can be restored. Otherwise, I am fully prepared to file a claim in court.
Product: Student loan

Navient was not my loan servicers it was XXXX XXXX, one day I discovered that it was now taken over by Navient. In XX/XX/2017, I contacted Navient to inform them about my separation from my husband. I tried to lower the payment to something more affordable, or to at least put the loans in a forbearance or deferment program. At that time I was told I would need pay for a forbearance program for 6mos. So I borrow the money ( XXXX ) from a family member and put them into a forbearance. The forbearance only lasted for three months. This action I was told would bring the loans current, and reduce the payment amount. But instead, the payments then doubled. On several occasion, I have contacted the loan server to get an affordable payment amount. Now, there's a threat to garnish my wages if I do not pay something I can not afford. I am a single parent trying to support my son, I am going thru a very nasty divorce. Due to the student loans, I am unable to secure a new job in my field or a mortgage because I am denied for an inadequate credit score.  Please help I do not know where to turn. 
Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH NPA AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian, XXXX and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I appreciate any assistance you can give me. 
Thank you!
Product: Debt collection

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Whom it may concern, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Global Lending Services, I XXXX  XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and XXXX XXXX XXXX took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted XXXX XXXX XXXXXXXX XXXX multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received 3 payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from XXXXXXXX XXXX XXXXXXXX XXXX. which I respect, but which made a billing error that cost me a significant drop in my credit score. 

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit card

Since XX/XX/XXXX I have had an account with Avant Card issued by XXXX. The account has always been handled appropriately with no issues. Upon reviewing my XX/XX/XXXX statement I noticed a new monthly fee of {$8.00}. I contacted the bank via phone to inquire and was told that the new fee was because of a review of my account and credit. The agent stated a letter was mailed to me but I do not recall ever receiving it and my billing address is correct. The agent refused to waive and/or reverse the fee. I immediately told her that I DO NOT accept the change in terms and as a result I wanted to close my account. 

All previous account terms and conditions should have reverted back for my count, yet they are charging me a monthly fee and higher rate for previous transaction ( s ),
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax, and XXXX. Please remove the 30 day late payments from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any correspondence from XXXX, XXXX  and Experian from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything
Product: Debt collection

I keep getting calls from this people throughout the day. Im also receiving letters in the mail, the latest one dated XX/XX/XXXX, apparently their company name is XXXX XXXX XXXX XXXX in XXXX, AL they have the reference number XXXX. Theyre trying to collect a debt from XXXX that I already paid to XXXX ( I have the XXXX confirmation email from the transaction, as well as the record that the money was debited from my account ) This latest letter and their calls are constant and should stop immediately. I wrote back to them and provided the copy of the confirmation email. I tried calling but they didnt answer and the provide no email or website on their letters.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy found on my credit report. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payment that was not accurate. Taking proactive steps, I promptly contacted XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 

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

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, at approximately XXXX PDT, I attempted to get a copy of my free credit annual report but discovered I was locked out from getting such reports from the 3 credit reporting agencies. The reason for this attempt was I have reason to believe someone has fraudulently taken out a loan on my residence and I wanted to see if any loans show on my credit reports and if so, how much was the loan. I then attempted calling all 3 credit agencies. I was then asked four computer-generated questions to verify my identity. Questions involved answering questions requiring I give exact dates involving past credit accounts and financial transactions. Note : I'm XXXX years old and have failing memory and had no exact recollection of these dates. I was therefore told " I could not be verified. '' I was refused any further information regarding any loans on my home. I need help getting this information to prevent losing my home, if in fact someone has fraudulently taken out a loan on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Student loan

I received a letter dated XXXX that the account with the remaining balance was paid in full. I made the payment on XXXX through the nelnet secure site. I have screenshots and bank statements showing paid in full. Payment deducted from my account shows dept of education not Nelnet on XXXX, however I received the payment in full letter from nelnet, i have the screenshot to show i paid it and confirmation received from Nelnet. I received another letter from Nelnet statement date XXXX showing I still owe the amount paid with more interest accrued. I called them tonight XXXX to confirm and speaking with the representative they are confirming they do not see that I made a payment. We confirmed its the account ending in XXXX. I have the letter from Nelnet, the screenshots from the Nelnet site Secure.Nelnet.com total payment amount and payment date and my bank statement to confirm it was paid. I don't know what kind of BS this is but I'm so done with them. And then the rep suggested to me to send them a copy of the letter they sent me! Beyond ridiculous! 

So here we are with the representative coming back on the line after i have been on hold because they are short staffed of supervisors- of course that's corporate A for you. So I asked if I am holding with her waiting on a supervisor or waiting for them to conduct the research. Because its clear at this time they can not get a supervisor to assist. We have to wait on the line for them for XXXX min already. Then I got even more upset as they are trying to search and see that on XXXX after i received my paid in full letter that it was a 'batch reversal ' yet I haven't received any credit of the funds, so where is the batch reversal going if not returning back to me? The math is now mathing that they did a batch reversal on XXXX and I received this email showing i still owed the funds. This is fraud as someone there has pocketed my monies.
Product: Credit reporting or other personal consumer reports

I have placed a dispute with Equifax on XXXX regarding fraudulent items found on my report. I sent them my FTC reports along with ID and proof of address as requested. Upon following up I was told that they could not to remove/block the fraudulent items despite having my FTC report. They also refused to remove incorrect names and addresses because they are attached to fraudulent accounts.Credit reporting agencies must block information from a consumer 's credit report if the consumer provides an identity theft report. This is in accordance with the Fair Credit Reporting Act ( FCRA )
Product: Debt collection

I am writing to bring to your attention a serious issue regarding a collection agencys conduct in violation of consumer rights and federal regulations. The collection agency in question, I.C. System INC., has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I believe that I.C. System INC.is engaging in false and misleading misrepresentation and deceptive practices. They have proceeded to furnish information to consumer reporting agencies without furnishing me with all disclosures mandated by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

This conduct not only violates my rights as a consumer but also contravenes federal regulations designed to protect consumers from unfair and deceptive practices in debt collection. I am deeply concerned about the impact of such actions on my financial well-being and creditworthiness.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against I.C. System INC.. I also u
rge the Bureau to ensure that my rights as a consumer are upheld and that I am provided with the necessary protections afforded under federal law.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Product: Mortgage

I previously was the owner of a property and had a mortgage with Fay Servicing , LLC. In XXXX, XXXX I was granted a Consent Judgement of Foreclosure. I submitted this court document with a letter to the mortgage company in XXXX, XXXX. The company Fay Servicing LLC has continue to report negative information to the credit bureaus up to XXXX XXXX, XXXX. Due to this negative credit reporting, I have been denied a PLUS loan to pay for my child 's college education. I have contacted Fay Servicing LLC to request the negative reporting to stop and for them to send me a letter indicating my current account status which is closed. They will not provide me this information so I can appeal my loan denial.