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

I am writing to assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related regulations regarding the sharing of my private information by XXXX and XXXX, as well as the furnisher of information to credit agencies.

Under 15 USC 1681 section 604 ( a ) ( 2 ), I have not provided written consent for the furnishing of my information. Moreover, 15 USC 6802 ( b ) ( c ) mandates the disclosure of the nondisclosure option, which was never communicated to me.

The reported adverse information violates 15 USC 1681C ( a ) ( 5 ), and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information. XXXX and XXXX 's failure to maintain reasonable procedures as required by 15 U.S. Code 1681e further compounds this issue.

Additionally, according to 12 CFR 1016.7, I hereby exercise my right to opt out of XXXX and XXXX 's reporting services. Any and all consent to the aforementioned entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Also my rights from Privacy act of 1974 have been broken. 

I request prompt confirmation of the cessation of information sharing and adherence to legal requirements.
Product: Debt collection

I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/ Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX and Capital One Auto Finance ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple items that are on my credit report that are inaccurate. These accounts were never opened by me and I can verify that these companies do not have any valid documents stating that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 my domestic partner 's employer made a routine direct deposit into my SoFi checking bank account. This was a mix up in bank account numbers between our accounts. This was in the amount of {$3300.00}. On the same day, I sent {$3.00} to my domestic partner 's SoFi checking account as a test, and then I sent {$2900.00} again after confirming receipt, as this was the max amount available to send in one day. On the next day XX/XX/2024, I was locked out of my account and completely unable to view any account information. 

On XX/XX/2024, I called the SoFi security team to provide information and fix the issue, and the representative said that he had no information he was able to give me, but he would escalate the issue. There was no time frame provided, and I am locked out of accessing the remaining money in the account. 

As of XX/XX/2024, this issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Company Reported a 30-day late on my Credit Report in XX/XX/2019. I was XXXX to XXXX as a XXXX during this time. I have communicated with the Credit Agencies and Ford to remove this negative report to no avail. According to the SCRA " Service Members Credit Relief Act '' I should be protected from this reporting while in service of our country. I would appreciate your helping me remove this negative credit reporting, please. The account has been otherwise up to date and since closed. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have attached my XXXX history for this period establishing my XXXX during XX/XX/2019.
Product: Debt collection

The debt collector is looking for someone who is not me. Ive stated this twice on two separate calls, and to date have called me 14 times. One call the individual was bullying me to provide information. I do not know who the creditor is because they will not provide that information to me.
Product: Debt collection

Foremost I wasn't aware I was placed on the car insurance ( XXXX ) in the first place as all I did was cosign for a vehicle. I never received a phone call from the creditor nor the credit collection services. I also do not live at the address that was listed. I cosigned a vehicle but the insurance was placed under the cosigners name who also canceled the plan. I never received any communication from XXXX at all and was not told I was on this account. I was only made aware that it was sent to collections when I received a notice from XXXX. I was misled to believe that setting up a payment plan of {$79.00} would keep them from sending the account to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trusted ID and it shows on my credit report a wrong address.I have never lived in PA ever in my lifetime so this is incorrect information.I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report. I have an auto loan reporting from Santander a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with Santander nor purchased a vehicle from the dealer of record.
Product: Credit card

BMO Harris Bank sent me an application for a credit card, in the mail, with a {$200.00} rewards bonus. To qualify, I had to spend {$2000.00} over the first 3 months of account opening, which is the obvious equivalent of 90 days. I applied over the phone, on XX/XX/year>, & was approved. Note ; ... this the date of approval, Not account opening. I got the new credit card in the mail on XX/XX/year> & called in to activated it. Thus opening the account, & by XX/XX/year>, I spent a total of {$2100.00}. This should qualify me for the {$200.00} bonus. Please Note ; ... All documentation is available by mail ; ... too much paperwork to send on line. 

I paid the account up in full, less the {$200.00} they owe me, but they continue to harass me with statements, interest, & late fees. I filed a complaint with XXXX of XXXX, & was told there are XXXX complaints on file against BMO Harris bank in the last 12 months. They deliberately make it difficult for people to qualify for the bonus by setting a ridiculously low credit limit of only {$1000.00}. All my other credit cards have a limit of XXXX or XXXX XXXX. So ;... I made a few bulk payments on the BMO card to insure that I'd qualify for the {$200.00} bonus. I say they should Not offer this bonus if they're Not prepared to give it. 

Sincerely;... XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I have recently become a victim of identity theft as a result of a data breach. The following information was fraudulently accessed and does not belong to me : Fraudulent Account : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, Experian, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I noticed an error in my account balance after a transfer through Zelle. The transaction was not reflected in my account and the amount was deducted from my checking account but not deposited into my savings account. I contacted my bank and they stated that the issue was through Zelle when I contacted Zelle they were not willing to disclose information because the phone number is not listed as mine in their application. When I stated my number they told me I have to call my phone line service to be approved.
Product: Student loan

To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixed the problem after the first complaint. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates. To my understanding, when students obtain loans, students have 120 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 120 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in their 'system '. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them. 

After I reported this problem to them, the company 's response was to say that my payment on XX/XX/XXXX was more than 120 days from the last disbursement on XX/XX/XXXX. However, there are clearly two disbursements after this stated XX/XX/XXXX date on XX/XX/XXXX, and then the latest one on XX/XX/XXXX. Thus, there was clearly less than 120 days between XX/XX/XXXX and XX/XX/XXXX when the money was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX did not nor did the company they are working in conjunction with take the take the proper notification procedures to notify me of any action, this is very unprofessional and Im sending this malicious activity to my attorney if this isn't removed from my report
Product: Debt collection

I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )
Product: Debt collection

I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations. 
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties. 

Please refer to settlement and provide requested information. 
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX
Product: Bank account or service

On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.
Product: Credit card or prepaid card

1 of 2 : {$420.00} ( Discover Card Dispute # XXXX ) Cancelled trip totaling {$680.00} booking with XXXX  XXXX  ( trip # XXXX ) under one hour from booking ( and far below 24 hours DOT refund policy ). Airline only gave partial refund of {$250.00}.

Credit card Dispute department tricked by false documents from Airline and closed dispute.

Credit card refuses to inquire with Airline for accurate documents
Product: Mortgage

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 
Washington, D.C. XXXX Ref : Mortgage with XXXX / Mr.Cooper Mortgage Escrow dispute Date : XX/XX/XXXX To whom it may concern : I am writing to you for your assistance on my existing 20 year mortgage. I originally signed my mortgage loan with XXXX XXXX on XX/XX/XXXX. XXXX XXXX was bought out by XXXX XXXX XXXX which took over my loan. Then in XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to XXXX, and a few months ago, I was notified that Mr.Cooper ( affiliated with XXXX ) was now my mortgage company. Throughout these changes of mortgage companies, I have never been late or behind in any payments, and presently up to date with mortgage payments, property taxes and insurance payments, and will continue to demonstrate that consistent payment history until all mortgage obligations are completed in XX/XX/XXXX. 
My originally contracted loan with XXXX XXXX was for me to pay my property taxes directly to my municipal thein N.J. I have done so consistently for the past sixteen ( 16 ) years without any problems. Last month, Mr.Cooper who just took over my loan, decided to start an escrow account, without notifying me of any cause. I strongly objected by calling Mr. Cooper last month, and was told by a customer service agent, to send in my concerns in writing with documentation to a fax # ( XXXX ) XXXX XXXX, which I did on XX/XX/XXXX. I also sent the same letter & documents via XXXX, package # ( see attached ), a few days later. After a week or two of not hearing any reply from Mr. Cooper, I called to follow-up and was given no solution and hung up on the first time, and left on hold the second time for longer than 15 minutes at a time during the conversation. 
I have included all necessary documents for your review and ask your assistance on this matter. I am asking that they honor the originally contracted agreement, and I continue paying my own property taxes and the escrow be removed. To date, I have paid the first two ( 2 ) QTRs of XX/XX/XXXX. 
My mortgage will be completed in approximately four ( 4 ) years, XX/XX/XXXX and ask  that Mr. Cooper in no way modify or change my contracted mortgage until its completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance used vehicle loan open in XXXX went in to chapter XXXX XXXX credit acceptance tagged my XXXX  report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the bankruptcy
Product: Mortgage

On Friday, XX/XX/2021 I received a phone call from a home mortgage originator company called ClearPath Lending. His name was XXXX XXXX XXXX, XXXX ID # XXXX. They are the company who did my last refinance on my house. He asked if I'd be interested in doing another refinance into a lower rate. I asked him how much lower would my payment be. He said he didn't have the details in front of him but would go look it up and call me back in a few minutes So, I said OK. A couple minutes after we hung up, I received a series of messages in my email that some company called XXXX XXXX  had just made a hard inquiry on my credit report. I had never heard of them and I got scared I had become a victim of identity theft or something, so I was freaking out! A few minutes later Mr . XXXX called me back. I immediately asked him if he had just run my credit. He said yes. I told him he did not ask my permission first and I never wanted my credit run! He apologized and admitted that he did do it without permission and I told him to fix it. He said I'll get in touch with my manager and see about a gift card for you. I yelled at him, telling him I wasn't interested in his gift cards - I wanted the inquiry removed. He has done nothing to fix it yet.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile this morning and noticed a late payment for XXXX XXXX XXXX account XXXX. I recently disputed this late payment about a month ago and the error was corrected and showed no late payments as on XX/XX/2024. Now this morning the late payment reappeared on my credit profile without notice a week later. No documentation was ever provided showing proof that I was late for this account during any of my disputes. This is really frustrating me.