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

I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Product: Credit reporting or other personal consumer reports

laws broken with willful noncompliance : 1692 E-10/14 1692 ( C ) ( B ) 1681 S-2 ( A ) ( B ) 1692 K 1681 N ( A ) ( B ) ( b ) 1681 A-2/A-1 1681 Section 602 A/604 A Section 2 I have the right to privacy.
Product: Credit card or prepaid card

My account was being closed by Chase because they site " continuing business with me creates repetitional risk '' A letter detailing this was mailed XX/XX/XXXX. Since then I have contacted Chase and all they say is that they don't have exact information regarding this and to contact the executive offices via FAX.

The account is due to close XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by Bank of America, XXXX, and XXXX XXXX, I received a call from a BANK of America representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads XXXX $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both XXXX XXXX and XXXX XXXX ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. 

The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. 


Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed XXXX XXXX Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}
Product: Mortgage

Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to the delayed postings of the charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances dispute initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Payday loan, title loan, or personal loan

Back in XXXX XXXX I went to One main financial for a small XXXXXXXX XXXX personal loan including interest fees. I had my XXXX  cosign at the time of loan agreement, I was in returned required to give my vehicle title for lien. I was mislead by one main financial by advertising me to pay off my full loan amount with in the first year and get my full interest back as a refund and my title returned. I paid my loan off in 9 months. I paid over the phone and asked question about when I would get my title back and the refund. She stated that they would both be mailed to me. I never received anything promised. When contacting them again I was told I had to pay to have my title replaced due to them saying it must of been lost in the mail. It is now XX/XX/XXXX with never seeing my interest refund or my title. I ended up having to get a new vehicle financed in XXXX. I unfortunately had a difficult time doing so cause of not having my title. I was required to pay an extended fee to have a replacement title made for me to trade in my vehicle. I didn't know who I could report this to but I'm just trying to get justice for myself and see the money I was promised reimbursed to me.. if there's anything you can do to help please do.. this had impacts on my personal finances, transportation priorities, and even impacted my credit score I was promised would of raised from paying extra and in full early. Thank you..
Product: Student loan

On XX/XX/XXXX, I sent a letter to Navient in the hopes of having a 90 day late payment removed from the account ( dated XX/XX/XXXX according to the various CRA ). After speaking with XXXX XXXX, I was assured that she would get down to the issue, but that " Navient is not in the habit of removing late payments from the CRA. '' On XX/XX/XXXX, I received email correspondence from Navient via XXXX XXXX confirming exactly what she had said. The letter, which is attached, stated that " I received Administrative Forebearance on XX/XX/XXXX that was applied to my account retroactively from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Our records indicate that your loans were reported delinquent to the credit bureaus XX/XX/XXXX. Although the forbearance did resolve your past-due status, the delinquency reporting that you 're requesting to be removed occurred prior to your request for forbearance and was accurately reported. '' If my forbearance was from XX/XX/XXXX to XX/XX/XXXX, is XX/XX/XXXX also not covered in this forbearance period? I have several accounts with Navient, totaling more than {$75000.00} ; some of which were transferred to them from XXXX XXXX. I am now very weary that any of the information is correct or being reported correctly. Not to mention the fact that they are great at not providing timely information when it was time to renew my Income-Based Repayment Plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Consumer Loan

i pay {$36.00} every 2 weeks for a {$300.00} title loan. Last month i called them and asked them to make the due date on my pay days instead of the opposite. they said its ok and i even made an extra payment to put it ahead. NOW they say i was late on a payment so the interest rate changes to around % 800 for the remainder of the loan. I made a couple payments and noticed my balance after paying them {$210.00} in payments, my balance was {$260.00}. they said its going to be {$280.00} next week after another {$36.00} payment. They said because i was late the balance will continue to go up after making {$72.00} payments per month. 800 % interest? really?
Product: Credit reporting or other personal consumer reports

These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Someone has used my identity to purchase a car loan, a XXXX, in my name for $ XXXX do not own a XXXX nor XXXX registered for a loan in my name as I currently own a XXXX XXXXXXXX XXXX that is fully paid off.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, Equifax, and XXXX Account # [ XXXX ] Dear CFPB, I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by XXXX, Equifax, and XXXX for the account listed as XXXX XXXX , with account number [ XXXX ]. 

The following issues exist with the reporting of this account : 1. Charge-Off Status : The account has been reported as charged off ; however, I have not received any formal notification, including a Form 1099-C, verifying that the debt has been charged off in compliance with IRS regulations. 
2. Purchased by Another Lender : The account is marked as purchased by another lender on certain reports. I never authorized or consented to the sale of my alleged debt to a third party.

3. Inconsistent Reporting : The details reported by the credit bureaus are inconsistent, including the dates of last activity, the reporting date, and comments about the account status. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable information. 

I have attempted to resolve these inaccuracies directly with the credit bureaus, but no action has been taken to verify or correct this information. I believe these actions harm my creditworthiness and may constitute unfair and deceptive practices. 

I request the CFPB to investigate this matter and ensure compliance with applicable consumer protection laws. I also request that any unverifiable or inaccurate information be promptly removed from my credit report. 

Enclosed are copies of my credit reports with the disputed account highlighted, along with any additional supporting documentation. 

Thank you for your assistance in resolving this matter. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY! Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

Original date of incurred debt : XX/XX/XXXX Amount {$1400.00} Action Taken : Pursuing the debt collection through the court system Statute of Payday Loan Limitations : 5 years Company Name : Personal XXXX XXXX Actions by me : Verified their business license # XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX check not deposited. Company lied to me multiple times. No one has helped me resolve my issue. A letter arrived today with the reason it didnt clear. No one will return my overdraft fees. It is not my responsibility to pay them as its not my fault my good check didnt clear. I have contacted several employees the sherrifs office the legal office etc. please help.
Product: Bank account or service

Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX & Equifax several times about XXXX XXXX Bank. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

LVNV FUNDING LLC is reporting XXXX separate collections on my credit report. Why would even business give me money XXXX year and then allegedly turn around the following year and loan me money again? I have no knowledge of who/what this company could be as they are claiming to not have info on the original debtors. But I would like ownership proved w/ all original documents and my wet signature.