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

Back in XXXX, US auto sales force me to buy another car when the first car I had engine blow out. They threatened me for 2 weeks forcing me to chose a car that I didn't want. They told me either I can get a new car from then and start all over and lose all the money I put in the first car or keep the car with bad engine and they will get a use engine for me. I have had 2 different cars from us auto and have been to the shop over 7 times with both cars. My new car They forced me to buy starter went out and they didn't even pay for when I had insurance on it. I was forced to get a used XXXXXXXX XXXX XXXX with a car payment of XXXX every month is crazy. And I see the business went out of business because they was scamming me and other customers. I need help with the problem. The XXXX switch my car plenty of times.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL LLC, for committing identity theft. I have never given SPRING OAKS CAPITAL LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SPRING OAKS CAPITAL LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SPRING OAKS CAPITAL LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL LLC, continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts and inquiries from my credit file.

These entries were added without my authorization, and I am taking action to protect my credit. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$130.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> a letter was sent to each credit burough that XXXX XXXX  completed an investigation concluding I am NOT responsible for this debt.I want it pulled from my credit report immediately!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charged fees due to lack posting of charges and credits this issue aligns with CFPB findings against Navy Federal for similar while transaction settled with insufficient balance is despite initially available fund I believe these practices are unfair every request an invest into my account transactions.
Product: Debt collection

XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX  XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX  XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. 
While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX  placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. 
XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. 
Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. 
Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. 
XXXX XXXX  customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.
Product: Checking or savings account

On XX/XX/ I attempted to withdrawal funds from my checking account and the ATM malfunctioned. It stated that an error occurred with the machine and the transaction could not be processed. It then stated my transaction was reversed and funds were in my account immediately. This did not happen. I have called Bank of America about 15 times since this has occurred and no one will assist me in returning my funds to me. In addition to this supposedly someone was assigned to my case but no one takes my phone calls or assists me in resolving this issue. This is a Bank of America atm and all they have to do is balance the atm and it will show there is an overage, or they can check the records and it will show the atm malfunctioned but Bank of America refuses to return my funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from XXXX XXXX XXXX account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. XXXX XXXX XXXX  has validated the on record date of XX/XX/XXXX. Experian also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from XXXX XXXX XXXX account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. XXXX XXXX XXXX has willfully made false statements to experian about the age of the debt. Experian has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 
As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 


XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. EQUIFAX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from my credit report.
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint regarding my recent experience with Citizens Bank while attempting to close my online savings account and obtain a 1099 for the year XXXX. My issue stems from a wasted afternoon spent trying to get through to the correct person to complete this process. 
On XX/XX/XXXX, I made multiple calls to Citizens Bank 's customer service. Each time, I endured lengthy wait times of over 30 minutes, only to be placed on hold again for another 30 minutes or longer. The frustrating part of this experience was that on two occasions, I was fortunate enough to connect with a representative, but the calls were abruptly disconnected before I could resolve the matter. 
This prolonged and unproductive process not only wasted a significant amount of my time but also caused undue frustration and inconvenience. I have made diligent efforts to close my online savings account, but the bank 's customer service has not been able to provide the necessary assistance. 
I kindly request your intervention to help expedite the closure of my online savings account with Citizens Bank and to address the issue of excessively long wait times and disconnected calls experienced during this process. 
I have documented my attempts to resolve this issue, including dates and times of phone calls and any interactions I had with Citizens Bank 's customer service. 
Thank you for your attention to this matter, and I hope for a prompt resolution to my concerns. 

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

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

The following companies 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 this issue is resolved permanently.
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from TransUnion, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX that I received through XXXX is XXXX for TransUnion ( and higher for XXXX and XXXX ). However, XXXX XXXX XXXX XXXX informed me that the one hard pull of my TransUnion credit score gave me a score of XXXX. I froze my TransUnion credit report following identity theft incidents and I have not been notified of any activity on my report other than the XXXX XXXX XXXX 's hard pull which happened once after I temporarily lifted the freeze today. My credit report does not show any negative marks, I have had no delinquent accounts and I have had no major event that would have required a hard pull on my credit before today. Why is there a huge discrepancy between the two scores I have received? 
Also, I updated my information with TransUnion ( and the other 3 credit bureaus ) multiple times, however, TransUnion still does not have my most recent employer listed and they continue to list my husband 's number on my credit report. I am also concerned that TransUnion has my maiden name listed in my file still ( this is the information that I also see with XXXX despite my updates ) and my married name listed on its website.
Product: Debt collection

I mailed Central Financial a dispute letter XXXX XXXX, 2015 requesting validation of debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) In the letter I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I asked the office to provide me with debt verification within 30 days from the receipt of my letter or to cease all collection activity and remove all negative accounts from their office from my credit report. 

I received a letter from Central Financial Control dated XXXX XXXX, 2015 ( after the 30 day grace period ). In the letter, Central Financial requested a copy of my personal identification and Social Security card to assist them with completing their investigation. The letter also stated that if they did not receive the requested information, the account would be returned to the appropriate department for handling, including but not limited to active collections. 

I informed Central Financial that there is no Fair Debt Collection Practice which requires I furnish copies of my personal sensitive information to credit collection agencies. 

Central Financial continues to refuse to verify the dispute of the debt. 
I submitted a complaint to the XXXX and the complaint was closed and unresolved on XXXX/XXXX/15. 
I believe Central Financial is engaging in deceptive and illegal collection activities. Furthermore, Central Financial is not licensed to debt collect in the state I reside in ( Missouri ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX During a recent review of my XXXX XXXX, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), I request that you delete these entries from my XXXX, as they are preventing me from getting XXXX. I do not know these accounts.
Product: Mortgage

On XX/XX/XXXX, I paid a fee to re-cast my mortgage with Rocket Mortgage ( loan # XXXX ) and spent several hours on the phone completing this process. They said it would take effect in XXXX. 

They subsequently transferred and sold my mortgage to a new bank on XX/XX/XXXX ( XXXXXXXX XXXX, loan # XXXX ), and XXXX has told me the mortgage was not re-cast, nor would they have allowed the mortgage transfer to go through if it was in the process of re-casting. I would need to pay new ( higher ) fees and completely re-apply through their bank to have the mortgage re-cast. Apparently, I also can not speak directly with anyone at XXXX about this, only via email. 

I called Rocket Mortgage on XX/XX/XXXX, and they claim it was due to a mistake on their end, which I was never notified of. An associate didn't note that I *confirmed* that I wanted to have my mortgage re-cast. This is false, as the entire process was recorded. I confirmed the entire process with them on a recorded line and stated " yes '' to several canned prompts. But now they say it is out of their hands as the mortgage has been transferred, and they can not reimburse me for any fees paid. 

I believe the Rocket Mortgage XXXX have purposefully sabotaged this process to allow the transfer of my loan to a new service. I made a substantial payment to re-cast the loan, and I can not continue to pay the non-re-cast amount. They should have never happened, and the mortgage should not have been transferred if there were still noted errors on my Rocket Mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX XXXX XXXX account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my TRans Union report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. XXXX did remove the account but has not removed the inquiry.