23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 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: Vehicle loan or lease

.19 Loan {$10000.00} for a used vehicle, XXXX XXXX, XXXX, Navy Federal Credit Union, XXXX VA. 

I am a XXXX XXXX XXXX XXXX 1st year in the XXXX purchase my first car on the subject date from NFCU. 

NFCU approved the loan, wrote the check out to the seller for the full amount. I did not know the process at the time, NFCU did not run a title check or at least I don't think they did so this loan was not in good faith and they did not act as an agent on my behalf, they seemingly did not care this large loan was being approved for a XXXX XXXX XXXX without a driver license and no title to the vehicle. 
I was told to get the title and bring it to them in 30 days. 

When I recently went to register the vehicle there is a lien already on the vehicle per State of VA XXXX as a result, I am stuck with a {$10000.00} loan, no title and a car I can not register or use. I am getting ready to exit the XXXX, however, I have a {$10000.00} loan I am responsible for. Since I could not get the title which NFCU already knew or should have known about, they change the loan to a consumer loan and increased the interest rate which leaves me struggling to pay for a vehicle that is no use to me. 

In addition, when I tried to check on the loan process, NFCU gave me an appointment XX/XX/XXXX. 

I believe NFCU did not act in good faith nor on my behalf as a young inexperience buyer.
Product: Credit reporting or other personal consumer reports

Experian is now refusing to conduct a reinvestigation for an XXXX XXXX account that Experian knows or should know is inaccurate/false/misleading. XXXX ) XXXX XX/XX/XXXX response to CFPB complaint XXXX and XXXX XX/XX/XXXX response to CFPB complaint XXXX alleges the account was charged off XXXX XX/XX/XXXX : " Your account was charged off on XX/XX/XXXX '' ; XXXX ) XX/XX/XXXX response to complaint ( XXXX ) XXXX, XXXX & XXXX makes clear XXXX will NOT change alleged payment history for account : XXXX However, we are unable to change the accurate reporting of your account. '' XXXX ) XXXX XX/XX/XXXX response to CFPB complaint claims the account was not being reported as charged-off due to alleged enrollment in financial relief program : " It is important to know, this charge off status was never reported to the credit bureaus due to the accounts status as participating in a financial relief plan. '' This statement is false because XXXX XX/XX/XXXX response to CFPB complaint makes clear there were no accomodations or payment agreements for my account : " Additionally, we are unable to locate a payment agreement from you. '' Even if I was enrolled in a financial relief program, the current financial relief offering from XXXX makes clear " If you do not make Monthly Program Payments by the following statement closing date ( on consecutive billing cycles } on any of your enrolled Card or Loan accountls, you may be removed from the Program ''. The payment history allegedly verified by XXXX is not consistent with XXXX explanation regarding enrollment in a financial relief program as cause for not furnishing account information with maximum possible accuracy. At some poin thereafter failure to pay in consecutive cycles would terminate any alleged enrollment in the program and would cause my account to begin reporting again with maximum possible accuracy : " If you do not comply with the Program Terms, we will report that status, which may negatively impact your credit score. '' Even XXXX XXXX ' own investigation ( XXXX ) are still in-progress ( see CFPB complaint XXXX and XXXX ). The explanations from XXXX regarding the false/misleading/innaccurate information for the account/tradeline is contradictory and the informattion furnished for this account beyond the date of charge-off is not reported with maximum accuracy and needs to be replaced with " No Data. ''
Product: Consumer Loan

I currently have an auto loan with Reliable Credit in XXXX, Washington that was opened on XXXX XXXX of 2014. I found Reliable Credit had communicated to the credit bureaus that the account is closed and was claimed under my Chapter XXXX bankruptcy of 2014. I called Reliable Credit, who stated they recently upgraded their software, which resulted in the incorrect information being reported to the credit bureaus. They stated I would need to file a dispute in order to correct the information. I filed a dispute with XXXX, which is now closed, once again, showing the same incorrect information. I am now facing hardship due to this matter. I have never been late during the entire existence of this loan, but now XXXX has lowered my credit XXXX points and XXXX and has subtracted XXXX points.
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 customer 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: Checking or savings account

PayPal permanently restricted my account and has been holding my funds for over 2 years after saying to me over the phone 2 years ago that my funds will be held for 180 days & that I would receive an email on instructions on how to remove my funds its been 2 years going onto 3 soon & PayPal agents still cant help me out. Still no emails or further information?? 
Its XXXX dollars they are holding
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX  Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Product: Credit reporting or other personal consumer reports

this is my third dispute I am writing to dispute the charge-off reported on my credit report, which I believe may contain inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I am requesting a RE-IVESTIGATION I identified the following late inaccurate payment XXXX. **Account Information : XXXX XXXX XXXXCreditor Name : XXXX [ XXXX ] - **Account Number : ** [ XXXX ] - **Date of LATE PAYMENT : ** [ Date of XX/XX/year> ] XXXX. **Violation of FCRA : ** The reporting of this LATE PAYMENT may contain inaccuracies or incomplete information, which impacts the accuracy of my credit report as guaranteed under the FCRA , specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 

I request that you conduct a reinvestigation into this LATE PAYMENT and provide me with the following information : - Verification that the reported LATE PAYMENT is accurate, complete, and reflects the correct details of the account. 

- Documentation showing that the LATE PAYMENT was reported within the timeframe allowed under the FCRA and other relevant regulations. 

Please note that under the FCRA, I have the right to dispute inaccurate information on my credit report and request that inaccuracies be corrected promptly. If it is determined that the account is inaccurate or can not be verified, I request that it be removed from my credit report if it can not be updated to paid on time never late/ 100 % on time payments. 

Please provide a written response to this dispute within 30 days from the date of this letter. Your failure to comply with the FCRA may result in legal action being pursued against your agency for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX has violated my rights. 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove the item from the credit report.
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 They did not properly investigate these accounts listed below.

1581 USC 1681i ( a ) 1 They did not respond within 30 days!! its been XXXX  days I am a victim of identity theft, I have no knowledge of these accounts I seen on my TransUnion, Experian and Equifax Report.I submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX survivor/ Identity Theft Victim. These accounts listed aren't mines XXXX XXXX  ( I never had a credit card in my life ) XXXX XXXX  XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXXXXXX XXXX. 
I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education is reporting multiple charged off student loans on my reports. 

All of the accounts have been deleted from other bureaus, however the remaining bureaus reporting these accounts are reporting inaccurate and inconsistent information. These accounts, US DEPT ED XXXX, US DEPT ED XXXX, are reporting inconsistent last payment dates, active dates and open dates. 

If all bureaus get their information from the same place, how is it that each bureau is reporting something completely different? Surely no real investigations have been completed in receipt of my disputes. It is illegal to report inaccurate information on a consumers reports and they are all in violation. I am demanding that these accounts are deleted from my reports now!
Product: Credit reporting or other personal consumer reports

Experian has 9 different names for me on my credit report. I sent a certified letter with return receipt with my current legal name and current address to Experian telling them to change my name. I also called them. There shouldnt be all these different variations of my name on my report and all of these outdated addresses. Please update! My information was confirmed to be hacked on the dark web from an XXXX XXXX XXXX  data breach Im XX/XX/year>. I filed an FTC Identity Theft Report and a local police report. Also, Experian will not remove a negative mark from my file that I believe to be from identity theft. 

Spoke with Experian on XXXX  at approx XXXX XXXX  Eastern Spoke w/ XXXX in the fraud department who updated my name to show correctly on my report, said will send updated report and receive email when finished
Product: Debt collection

I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.
Product: Credit card

I applied for a bp XXXX credit card in XXXX 2016 and gotten approved and the company reported to all XXXX credit bureaus, but they refused to send the credit card. I have not received my credit card for a month. Which is not fair for only a XXXX limit
Product: Debt collection

Income tax Fraud since XX/XX/XXXX in the amount of {>= $1,000,000} ( employment history began in XX/XX/XXXX ) for payroll shortages, lack of timely raises, non-receipt of benefits, excess social security and medicare taken from payroll, excess state and federal taxes taken from yearly tax returns. Stolen identity. Personal information has been used to create fraudulent documents to commit forgery with several banking institutions. No documents or requested checks have been received from Telecheck dispute that was mailed on XX/XX/XXXX. Therefore, I would like to sue Telecheck in the amount of XXXX XXXX for concealing fraud with the Virginia Department of Unclaimed Property, total {>= $1,000,000}. Internal Revenue Service 843 Valuation form for XXXX and XXXX XXXX for Income Tax Fraud on behalf of XXXX XXXX and XXXX XXXX XXXX in the amount of {>= $1,000,000} will leave a remaining liability of {>= $1,000,000} that I am requesting is deposited in my XXXX XXXX XXXX checking account that was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : //www.uscourts.gov/services-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no grantee or trustee for properties that were reported to the US GAO. XXXX XXXX does not have the authority to reverse any banking transactions. 
Share price with XXXX is {$130.00}, .1 adjustment for XX/XX/XXXX Dividend Reporting Tax preparation of XXXX ( corporation, adjustment not to be used for defrauding the government on Bureau of Insurance fraud ) and XXXX XXXX XXXX XXXX who are clients that are under debt collection with the Internal Revenue Service. 
Document Preparation Fee of {$110000.00}. I have prepared 5 documents that have been used for financial preparation with banking institutions and budgeting with the City of XXXX, total document preparation fee of {$550000.00} for XXXX XXXX XXXX XXXX XXXX XXXX. Denied participation fee of {$560000.00} that has been sent to the Internal Revenue Service dated XX/XX/XXXX is only to be used at my consent for account maintenance for clients not for personal use. Unpaid property taxes effective XX/XX/XXXX ( not to be used for defrauding the government dispute or songwriting dispute for XXXX XXXX due to funding already being received from XXXX XXXX ). Please have the City of XXXX Deed/Land Records and XXXX XXXX XXXX update the Virginia Land Cover Sheet to XXXX XXXX as the owner. The property is not under shares with XXXX XXXX XXXX XXXX the property is being claimed under forgery proceeds and Income Tax Fraud.
Product: Credit card

My wife ( co-signer, XXXX XXXX ) and I originally signed up for a home security system through a company called XXXX. Once the technician came out to install the equipment we learned after he installed the doorbell camera, wall plate and the keypad for the front door that the security cameras were more expensive than the salesman originally quoted us and were never installed. We asked that we have the service canceled during this installation. I was told to contact the salesman XXXX, who never returned my phone calls. I had to text him. I called to the company XXXX to complain about the service and confirm that we werent being charged for anything. That we werent that we would probably only be charged for the equipment that we had already received. I wanted to send that back we didnt need it because there was no service. I was told that they would take care of it but instead, in a couple weeks we received a bill from their retail creditor XXXX  whom they use for their equipment in the amount of {$4100.00}. I finally spoke to a manager at this company, and I was advised to fill out a dispute form, and then I would not have to pay for the equipment in our possession. I did as advised, and the dispute was declined even though the mgr agreed that we shouldnt be charged for anything and there was never service activated at our home. Over the last 8 months, Ive been given the run around by both XXXX  and XXXX and were still receiving the same bill. Please help! I have made countless phone calls to both companies and sent text messages and emails and it has not yet been resolved.
Product: Bank account or service

On XXXX I deposited an insurance claim check ( signed by my mortgage company and myself ) into a BBVA Compass ATM at XXXX XXXX XXXX XXXX XXXX CO XXXX. I then received a letter on XXXX stating that " multiple payees-payee not an account owner ''. On Monday XXXX I called the customer service line and they were able to pull up an image of the check and stated that there was no reason why this check could not be deposited. I had the check image faxed to the BBVA branch at XXXX XXXX XXXX XXXX and then went into the branch to speak to a supervisor. When I got to the bank I asked for a supervisor, XXXX XXXX who was completely incompitant stated she was a supervisor and would try and answer my questions. Come to find out she is only a Sales Advisor and completely misrepresented herself. After showing her all of my documentation and explaining the issue she stated that the checks in the ATM are not picked up until Thursdays and that there is nothing they would do. She refused to obtain the check prior to Thursday and would not explain why. She verified that they have an image of the check both front and back and that she could see XXXX signatures, However they needed the physical check which was in the ATM. I stated that there was no sign of any kind on the ATM telling customers that if you are depositing an insurance check or check with multiple payees that it should be taken inside. She has no response. When I asked her why I am able to make deposits with my phone and they deposit those checks with images only yet they can not do that now even thought they have the physical check in their custody she stated they just could n't. It is completely unreasonable to tell a customer that they can not make certain deposits at the ATM after the fact when there is no sign, and no notification what so ever. After returning home I called the customer service line again. I was again informed that there was no reason for the bank to not deposit the check and that it was " already in route back to me '' I asked how this was possible after I was told by XXXX that they could not access the check until Thursday. The customer service rep stated she did not know. It is obvious that XXXX XXXX is unethical and a lier. She misrepresented herself and lied about the whereabouts of the check.
Product: Mortgage

I am trying to get my PMI off of my mortgage payments. I have gone through the very SLOW process that SunTrust makes us go through and have not got any response. 
The PMI department is only communicated through a messaging system on their website and is extremely slow. 
I had an appriasal completed by one of SunTrust providers over 2 months ago and I haven't got any sort of update and or resolution. 
I already know my percentage to get my PMI off is well above the requested percent they want as I had a private appraisal completed. 

SunTrust is stalling so I have to keep on making my PMI payments as long as they will allow this to continue. I can't get any answers on what the next step in the process is from SunTrust so I am reaching out to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I opened for the second time a credit report dispute with Experian about a collection account they are reporting on my credit report with XXXX XXXX  XXXX. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.