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

I'm a victim of identity theft and the individuals who have stolen my info continue to apply for car loans and leases through DriveTime. I've called numerous times to try to get the accounts taken down and get a written copy of the information used to apply for the vehicles, as is my legal right under the FCRA. They continue to refuse and gaslight me. I'm now seeking legal action against them for withholding my information without cause.
Product: Debt collection

Jefferson Capital System unlawfully obtained non-public personal and financial information from XXXX and shared the information with other parties including consumer reporting agencies. I was not in receipt of any document which verifies that Jefferson Capital System obtained my consent to obtain my personal and private information from XXXX and share it with any third parties included but not limited to consumer reporting agencies. I was not in a trilateral agreement with Jefferson Capital System and any other company or person. Jefferson Capital System failed to provide me with an opportunity to direct the company not to disclose my information ; and failed to provide instructions on how a consumer could exercise the non-disclosure option as defined in the Gramm Leach Bliley Act or 15 USC 6802. Jefferson Capital System acted without lawful authority when it furnished my private account information to consumer reporting agencies. Jefferson Capital System is guilty of identity theft as defined by 15 USC 1681a ( q ) 3.
Product: Vehicle loan or lease

Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.
Product: Debt collection

Received paperwork from a Troy Capital LLC from a county I do not live in and nor do I know why they are trying to sue me
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 blocking the erroneous information which is being posted to my report. 

Here is the list of 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 {$0.00} XXXX XXXX XXXX  : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report. The bankruptcy has incorrect information and is unverified. I disputed the bankruptcy. Equifax responded that the account was verified as accurate through a 3rd party company, XXXX. Equifax is NOT allowed to verify information on my report with a 3rd party who has the information wrong. Only the original source can verify the account. The original source is the bankruptcy court, who has confirmed to me that they do NOT report or verify ANY information with credit reporting agencies. Therefore, this information was verified illegally with XXXX.
Product: Checking or savings account

I need a advance on my check but its denying me from using a app i`ve used with my account plenty of times
Product: Money transfer, virtual currency, or money service

Opened Venmo account to potentially accept rent from tenants about a month ago. 

Venmo flagged the account for suspicious activity, before I even linked a bank account or card to it, let alone made/received a payment. 

Thought this was absurd, found an alternative service that is more geared toward landlords and accepting rent payments via ACH. 

Requested they close my account. They requested my photo ID. I find this request entirely unacceptable and a violation of my privacy. They have no need to require an ID to cancel an account that is frozen and unusable because of ... " lack of ID verification. '' I do not want this account to be left open and subject to fraud, misuse, or data breaches. 

They refuse to close my account ( that is inactive/has never been active ) without photo ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau ( XXXX, Trans Union and XXXX ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from XXXX but they did remove some information. XXXX and Trans Union claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, Convergent Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I disputed these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my credit reports from Transunion, XXXX and XXXX, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! 
With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Documents that they have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, the credit bureaus must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in their reports and I have invoked my rights to dispute/challenge these inaccurate and non-compliant items. If XXXX, XXXX and Transunion continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer. I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.
Product: Debt collection

I XXXX XXXX have sent in disputes several times, to this company stating that I have been victim of identity theft, along with that I sent a ftc report to this company and, they have yet to remove this collections from credit report despite me sending in proper documentation That have yet to remove this from my credit report Dates I have send documentation disputing this XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The name debt collections is Merchants credit guide Amount of the collection is {$460.00} Collections agency address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On December 15-16, 2024, my Coinbase account was hacked into. I had opened up an email that day that was later identified as a fraudulent email & my Coinbase account got hacked for around {$5000.00} the following evening. Before it got hacked I went into my Coinbase account to change my password & click on fraudulent account/lock account prompt ( as I noticed it was a phishing scam ) and a prompt from Coinbase popped up after changing my password your funds are secure and I assumed they were based on reading the prompt. 

After contacting Coinbase customer support, they told me that this prompt pops up automatically. This is very misleading & lead me to believe that my funds were indeed secure when they clearly werent. If I had known my funds werent secure I would have taken extra measures by making sure my account was locked & notifying Coinbase support asap. The very next afternoon my funds were still in my Coinbase account but that evening they were stolen from my account. 

This is very misleading & I could have done something to stop this fraudulent activity but believed that Coinbase did secure my funds based on reading their prompt & I assumed I was in good hands with a reputable platform but clearly that wasnt the case.
Product: Student loan

I have spoken to Navient customer service XXXX as well as their collection department XXXX. I spent over two hours today XX/XX/2024 and one specific woman who is supervisor XXXX XXXX when she heard my issue, she told me nothing she can do. 

one of the calls the person not talking but I could hear heavy breathing! 

about a month ago XX/XX/2024 I called Navient to have complete history of private student loan to be sent to my mailing address. I received the information and noticed many errors such as the loan amount initially distributed was different than what I am billed and accrued interest on it. 

Also, in my XXXX bill I noticed error too and company refused to correct or explain what they have to do to correct it. I was told by company rep that is computer error but not able to explain how the error happened and how to fix it. also, some fees and late fees I never noticed before now I see it in the history. 

I believe Navient is involve in deceptive practice. Intentionally they processed payments incorrectly.
Product: Credit reporting or other personal consumer reports

I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.
Product: Mortgage

Would like to see paperwork showing which mortgage company Countrywide settled my loan payoff at time off purchase XX/XX/2008. Who previously held my note? No official legal documentation can be located to justify those figures quoted over phone interviews were ever produced as promised to myself. 
I paid for the title search myself and I would like a copy of as well. 
Also, because I was on XXXX, I was exempt, as in previous years, however that arrangement was cancelled by Countrywide Bank or Countrywide Mortgage or Bank of America or XXXX XXXX. My property was sold amoung 3 financial institutions in one single day XX/XX/2008 and Bank America becomes the servicer. 
I deserve access to files that were never presented to me as proof of transfer, by way of Promossory Note, which was never filed with any legal authority. 
If you would clear up my concerns, perhaps we could reach a mutual agreement to avoid me facing a foreclosure like so many thousands before me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the hard inquiries on my Experian credit report showing from XXXX. It is identity theft & I have documentation to support my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to transunion three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share Dates of Late Payment : XXXX XXXX, XXXX XXXX On XX/XX/2024, I submitted a dispute to Experian disputing a XXXX payment reported by XXXXXXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Experian has to remove those late payments from me because it has no evidence that indicates those late payments and it also has errors and inaccuracies. In addition, the only bureau that is reporting me negatively is Experian and by law they must remove it from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Debt collection

XXXX, XXXX was placed on my XXXX  credit report for {$1200.00}, which the debt did not belong to me. It was originally removed and placed back on my credit. Repetitive phone calls were made to me and I have voiced the Debt does not belong to me. Request to be removed and deleted off my credit. 

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

On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with explorecredit.com as an emergency need to pay my XXXX XXXX XXXX bill that was scheduled for shutoff. The interest rate was extremely high, yet I figured I could pay it off very quickly and not have to pay so much interest. The principal loan amount is {$1400.00}. Unfortunately my financial situation took a turn and I have been trying to work something out with them to delay repayment but pay off the loan entirely when I receive my bonus from my job at the end of XXXX. 

I have requested revoking ACH 3 times via email and each time i am told its either not possible or given a long list of items to do in order for them to remove ACH, which seems illegal. 

I requested my bank to place a hold on them as a merchant because they were unwilling to work with me. 

They are also now charging my account with fraudulent checks rather than ACH, which I never agreed to, causing my account to overdraw multiple times. They are also double charging me for missed payments, which is causing my account to overdraw over {$1000.00} and preventing my other bills from being paid. 

They have placed me in a financial bind with too much interest. I would like to mediate a payoff with them and I need them to stop charging my account.
Product: Credit card

XXXX Citi bank XXXX XXXX XXXX offered me a six-month catch-up plan I accept the plan for to catch up even though my account was only behind XXXX month. 
At this point a XXXX payment was made for XXXX and the remaining balance was XXXX On the XX/XX/XXXX. XXXX I made a payment of XXXX and XXXX took a payment of XXXX. 
I called XXXX and hey you guys screwed up and took an extra payment. 
XXXX said it was taking XXXX  days to investigate. 
But they wouldnt send the money back. 
XXXX  days came and went, and XXXX wanted to argue about payment, and they said since I was behind, they wouldnt send me the payment back. 
The problem here we had an agreement on XXXX a month and I met my obligations, and they should have been returned my payment. 
My wife called XXXX and asked that they apply the extra payment to the month of XXXX payment. 
Again, XXXX wanted to argue which is unprofessional instead of helping to resolve the problem she asked them to look into problem and report back they didnt do that. 
In XXXX I made a payment of XXXX dollars which was the difference of the extra payment made in XXXX which should have put my account in good standing. 
After the payment was made XXXX cancelled the catch-up plan. 
I called XXXX on XX/XX/2024, because I only had XXXX dollars, and my payment was XXXX when the rude person on the phone said my catch plan had been cancelled and I needed to pay them XXXX dollars NOW! 
I tried to work out a deal and they were complete jerks about it, and they kept passing around to different people until they lost contact with me, and no one called me back. 


As I looked over the account, I realized the catch plan was not working I have paid them XXXX dollars and my account was still behind. 

My minimum payment XXXX XXXX dollars I dont understand how theyre applying the money to the account if payments are being made as agreed then the minimum payment should be coming down not going up. 



I did not default on this agreement. 

XXXX keeps changing the rules with the catch plan whichever rules benefits them is the one they go with. 

This is an unfair advantage they use to defraud customers this is nothing, but a huge scam run by a bunch criminals using gangster tactics to intimidate customers out of their hard-earned monies I would have been better off not accepting the catch-up plan and my account would have been caught up by now if I had just made regular payments and sent extra money. 

Why does XXXX offer a payment plan with proven results that it doesnt work? 

Your money will be divided up into categories where late fees, over limits fees and interest fees are taken out and whats left is not enough to cover your payment which drives up minimum payment balance. 

This practice should be immediately halted. 

The first thing XXXX asked me to do was to enter into another catch up plan for another XXXX months. 

Which would only put me further behind this is predatory criminal activity XXXX is using to steal money from its customers while pretending like theyre helping you get back track its a XXXX. 



XXXX XXXX and XXXX XXXX Account number /Credit card XXXX XXXX contact number XXXX XXXX XXXX