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

On XX/XX/XXXX I contacted XXXX  XXXX  about a student loan that has been transferred from them to Debt Resolution and then transferred to XXXX. All three times the loan was reported to the credit bureaus, which made it appear that I owe more than I actually owe on the loans. I spoke to a loan processor and explained to him that XXXX XXXX  double reported and also made false claims that I maid some payment and missed some payments when I have never made a payment to XXXX XXXX. It was reported that I made and missed payments between XXXX XXXX. With XXXX being the last time that XXXX XXXX reported. I was told by the loan processor that my issue was above his pay grade and that it will be falling off in a couple of months and that I should let it fall off. He was able to see where ithe incorrect information was reported to the credit bureaus and he then transferred me to someone else that could remove the information off of my report. I was the told by an agent that I had to dispute the information qith the credit bureaus in order for them to remove it. I stated that I had disputed the incorrect information several times and each time XXXX XXXX responded that the information was correct. She than stated that they do jave a dispute from Transunion and that I needed to dispute the inaccuracies with all four ( Transunion, XXXX, XXXX, and XXXX ) in order for it to be removed correctly.
Product: Vehicle loan or lease

Purchased a new XXXX vehicle in XX/XX/XXXX. Financed a portion of the purchase price with Hyundai Motor Finance. 
The loan was paid in full XX/XX/XXXX. Received correspondence dated XX/XX/XXXX acknowledging the debt had been paid ( copy attached ).

Letter stated that it ( the letter ) " shall serve as certification and evidence of satisfaction of the above referenced retail installment contract ''. 

In early XX/XX/XXXX, an application was filed with the Illinois Secretary of State for a title with the lien removed. Due to an error in the application the lien was not removed and the title was sent to Hyundai Motor Finance. Starting in late XXXX XXXX was called repeatedly for them to send the title. These calls generally followed the same routine : The representative on the phone was polite and seemed to want to help. But they did not handle titles. Please furnish a way to contact ( a telephone number ) the individuals who do handle titles. The representative could not do that as there was no telephone number or external email address for the title department. All they could do was send an internal email, which they allegedly did several times. The reasons given for the title department not sending the title ( strange they knew the reason since they could not contact the title department except via email ) ranged from they did not have the title ( in a subsequent telephone conversation a representative acknowledged the title was logged as received on XX/XX/XXXX ), titles were only sent out on Tuesdays and Thursdays and a reduced work schedule due to Covid. 
They would send another email. On one call I spoke with a " supervisor '' who provided the same story : they had no telephone number and could only send an email. The last telephone communication with Hyundai was on Monday XX/XX/XXXX at which time I was assured the title would be sent on Thursday ( XX/XX/XXXX ). 

It is now mid XX/XX/XXXX and still no title.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries, nor do I have any connection with the listed creditors.
Product: Credit card

I LOST MY WALLET THAT INCLUDED MY PERSONAL INFORMATION, AND OTHER ITEMS AT THE END OF XX/XX/XXXX. I CHECKED MY CARD ACCOUNT AFTER REALIZING MY CARD WAS IN THE WALLET AND NOTICED SEVERAL TRANSACTIONS WERE MADE IN A FOREIGN COUNTRY. I CONTACTED THE CARD COMPANY TO REPORT THE LOST CARD AND THE UNAUTHORIZED TRANSACTIONS ( THERE WERE SEVERAL CHARGES TOTALING OVER {$1400.00} ). I FILED A DISPUTE/CLAIM AND WAS PROVIDED A PROVISIONAL CREDIT FOR THE TRANSACTIONS. FAST FORWARD TO TODAY, XX/XX/XXXX, I RECEIVED A LETTER IN THE MAIL STATING THEY WERE CLOSING MY CREDIT CARD ACCOUNT FOR SEVERAL INACCURATE REASONS RELATED TO THE CLAIM I FILED AND ON TOP OF THAT ARE TRYING TO CHARGE ME FOR ONE OF THE UNAUTHORIZED TRANSACTIONS THAT WERE MADE THAT AMOUNT TO APPROX. {$1200.00} ( THERE WERE MULTIPLE TRANSACTIONS, AND THE OTHERS WERE NOT BILLED AGAIN DESPITE ALL THE TRANSACTIONS HAPPENING AROUND THE SAME TIMEFRAME ). I CONTACTED CUSTOMER SERVICE TO INQUIRE IF THIS WAS A MISTAKE AND I KEPT GETTING THE RUN AROUND AND NO ONE WOULD PROVIDE ME WITH A STRAIGHT ANSWER. I HAVE NOT BEEN TO XXXX AND DO NOT KNOW ANYONE THERE, SO I FIND THIS UNACCEPTABLE AND DISRESPECTFUL THE WAY I AM BEING TREATED. I AM BEING ACCUSED AND PENALIZED BY HAVING MY ACCOUNT CLOSED. I WOULD REALLY APPRECIATE ANY ASSISTANCE THIS AGENCY CAN PROVIDE TO HELP RESOLVE THIS ISSUE AS SOON AS POSSIBLE IN A JUST AND HONEST WAY.
Product: Debt collection

This debt is not mine and stems from identity theft. A former friend and co-worker incurred this debt and acted on my behalf without my consent to secure phone lines and phone privileges with this company. I have and will always deny this debt because it is truly not mine.
Product: Checking or savings account

Good morning, By XX/XX/2021, my computer was infect and compromised with a malware hack program. It create a local user XXXX. With that user, the person that commit the fraud was able to get access remotely to my computer and my accounts logins credentials. He did several transactions on different platform including my Navy Federal Checking Account.

Navy Federal : They login into my Navy Federal account, open the XXXX application using my Navy Federal checking account and send over a {$650.00} payment to someone I do not know. Nobody from my family or I did not made or approve this transaction. Navy Federal give me a partial refund but it was reject on the investigation process and charged back. I require a dispute action but Navy Federal also reject credit back the fraudulent charge. They said that the system show that it was made from my computer. 

I explain everything to Navy Federal including screenshots of the others account that were compromise and solved from others creditors. Also Navy Federal know that my account was compromised because they change my checking, saving and credit cards twice on that week. What Navy Federal say is the same information I provide as the fraudulent method used. I did not made or authorize the money transfer. It this not supposed to be covered by the FDIC insurance? 

Others compromised accounts and actions was : 1. XXXX : They did three trade-inn items, XXXX provide a gift card balance and they use that balance to buy XXXX codes. They quickly exchange the XXXX codes. XXXX flags those transactions and have I dispute thru my credit card company. When the credit card company review the case with XXXX, they acknowledge that was a fraudulent transaction and revert the charge from my credit card. 

2. XXXX : They login into my XXXX bank account and made a transfer to XXXX stock application for {$900.00}. I was able to get it canceled by XXXX and refunded the money. 

3. XXXX : They login on my XXXX account, buy games and extras codes. I contact XXXX support and they refund the money to my credit card that was on file. They see there was 6 fraudulent charge transaction. I did not buy from XXXX online store and the items that was buy did not show up as being use or on my XXXX device/account. 

4. XXXX : They did a XXXX loan. I see it on my credit report. I have contact XXXX and started an investigation that still in progress.
Product: Credit reporting or other personal consumer reports

I signed up for Tomoboost credit building service, in hopes of improving my credit, on XXXX 

I upgraded my service to the VIP program, which costs {$79.00} per month, on XXXX 

The VIP program promises to report a {$30000.00} tradeline to all three credit bureaus, plus a 24 month payment history, based on your bills on your linked bank account for the previous 24 months. It promises " expedited reporting '' to the credit bureaus each week. 

First, they did not record a 24 month history, but a 15 month history, despite my having this bank account for 5 years. When I contacted support, I was told that nothing could be done about it, too bad. 

Second, it's been 3 months since I've been paying for this service, and nothing has been reported to the credit bureaus. I have contacted the company twice to ask when it's going to be reported, since I've been paying for the service for 3 months. All I got in response was " we're looking into it. '' I have tried to cancel my account, and have received no response. I tried to delete my payment information, and there is no option to delete anything. I will have to report the debit card as lost/ stolen so I don't get charged anymore. 

I have paid over {$160.00} for a promised service that was never delivered.
Product: Mortgage

In process trying to refinance with LoanUnited.com -- - Started Refinance on XX/XX/2021 with LoanUnited representative Mr. XXXX XXXX. 

XXXX XXXX XXXX Mortgage Loan Originator XXXX  # XXXX | Email : XXXX Direct : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX Received email and multiple telephone calls that we were going to close on XX/XX/2021 .... and have received no further notifications other than an email stating please be patient ... no calls, nothing .... Seems vastly unprofessional and I would be terminated if my customer service skills were performed at the same level as this company. 

I've asked to speak with the CEO/Owner or whomever is in charge and nothing, no response, no attempts at contacting me by phone or email. As a side note I have sent multiple emails voicing my frustration with no response as well, other than an email from Mr. XXXX stating to please be patient ... this company should be shut down and those at the top should be thrown in prison. 

Additional contacts from emails I've received from LoanUnited.com are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Processor Email : XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfers

I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.
Product: Credit reporting or other personal consumer reports

As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you.
Product: Credit card

I called in to inquire. I paid up my credit card in full however was charged a balance due of {$82.00}. I also can not find my credit card and asked to have another card sent and XXXX hung up on me on XX/XX/XXXX at XXXX XXXX. She said she has 30 seconds to assist me and then hung up. I felt like her shift was ending and she didn't want to assist me and just hung up. It was very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint against Experian Complaint # XXXX and XXXX Complaint XXXX XXXX Credit Bureaus regarding XXXX Acct # XXXX for it's inaccurate reporting. On XX/XX/XXXX Experian response was that the information from the Data Furnisher was accurate but I never received proof of that investigation and how that investigation was conducted. This is another FCRA violation of my consumer rights in pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy. On XX/XX/2022 XXXX contacted me with their results of their investigation and here are their results Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED '' How can Experian still report these inaccuracies and continue these gross misconduct and consumer violations? This XXXX acct # XXXX must also be deleted from my Experian report immediately. 

Thank you in advance
Product: Credit reporting

My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze my credit.
Product: Credit reporting or other personal consumer reports

Transunion has failed to provide the information requested in previous disputes to verify the ACCOUNT- XXXX XXXX XXXX XXXX and provide their method of verifying the account information. 

XXXX XXXX XXXX XXXX is reporting inconsistent high credit balances across all three credit bureaus ( XXXX, XXXX , and Transunion ) so how was the information properly verified?
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 the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Nacy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the phone on hold for over 1 hour and 20 minutes waiting for Experian to answer a question about my account charges. I have been a customer since XX/XX/2009 and this is how they treat you when you have a questions about their charges. I'll bet this is not the way they treat someone who wants to sign a new contract. 

The call took a total of 2 hours and 2 minutes of my time. 

While I intend to leave Experian because of this treatment, Experian needs to be investigated about how they respond to their customers.
Product: Credit reporting or other personal consumer reports

There is inaccurate information that keeps getting reported on my Experian report about my XXXX XXXX credit card from XXXX ( XXXX ). They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.
Product: Mortgage

TD Bank became my mortgage servicer on XX/XX/2021. I am unable to use TD Bank 's online banking services to monitor my account without opening another checking or savings account with TD Bank. These other accounts are not free as they require a $ 10 monthly service charge or minimum deposit. In effect, my mortgage account is being held hostage by these predatory banking practices which require me to open an account to monitor my mortgage account. I have attempted to contact TD Bank at the local branch level and through XXXX customer service. Local branch service does not know how to solve this problem and XXXX customer service transfers me to the mortgage department whose mailbox is always full. I do not believe it should be a requirement to open another account to access my existing accounts. I did not have a choice in who became my mortgage servicer and I now believe that TD Bank is engaging in predatory banking practices. 

It is very clear from the screenshot from the attached online banking signup webpage that TD Bank requires an ATM card linked to a checking/savings account in order to use online banking. I am being locked out of monitoring my mortgage account to include accessing my tax forms associated with my mortgage.
Product: Debt collection

Sir/Madam, I am writing this letter to formally dispute the validity of a debt that you claim I owe. I received a collection notice from your organization asserting that I owe a debt related to Account No. 

1. Verification of the Debt : Please provide a detailed written statement, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 

3. Full Account History : I would like to receive a complete account history of all statements and transactions related to the debt. 

4. Copy of the Agreement : Kindly provide a copy of the signed contract agreement, if applicable, that demonstrates my obligation to pay this 5. Documentation on Your Licensing : Please furnish me with your age licensing and registration information, as required by the relevant state laws. 

Please consider this letter as a formal dispute of the debt, and I kindly ask you to respond to this dispute in writing within 30 days of receiving this to provide the requested information within this time frame will be a violation of the FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

XXXX number XXXX Dear LVNV Funding LLC, My name is XXXX XXXX, and I recently obtained a copy of my credit report and I see that I have an account reporting on my credit report but I am not really sure what it is about. 
If you don't mind please send me validation of the debt you have listed on my consumer report. Due to my current living situation, it would be most convenient for me to receive communication via email. Therefore, I kindly request that you email the validation of debt to the following email address : ( XXXX ).
Product: Debt collection

COLLECTOR IGNORE CEASE AND DESIST AND BOUGHT TAX DEBT FROM INDIANA AND ILLEGALLY CAPTURED MY IRS  REFUND! JUST GOT OFF PHONE WITH THEM AND THEY CLAIM NO TAX LIABILTY IS PRESENT AND BECAUSE THEY SOLD SAID DEBT TO COLLECTOTS.SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With Experian they are not reporting that this is a medical bill. 

With Experian XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With XXXX they are reporting The status as unpaid when this should say closed With XXXX, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With XXXX, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With Experian, XXXXXXXX XXXX is reporting in the account type here collection when they have reported it closed on other Bureau reports!

This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!