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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX
Product: Payday loan, title loan, or personal loan

I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was XXXX  in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Checking or savings account

I open up a new account with them last year my card was stolen someone had stolen over XXXX from my account and I reported all the transactions I did not make so I explained and told them they then closed my account and they said that I was gone get refunded all my money back I havent received nothing or heard from them since. And the only money I received from them was a XXXX dollar and something cashiers check cause thats the only amount I had left in my account.
Product: Debt collection

Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. 
WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. 
XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. 
XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. 
XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.
Product: Credit reporting or other personal consumer reports

I didn't recognize 2 inquires on there report, one dated XX/XX/XXXX and the other Dated XX/XX/XXXX both from XXXXXXXX XXXX XXXXXXXX  on Credit Wise website associated with Capital one Bank Account.
Product: Student loan

I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$23000.00} this account is showing late payments for XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report XXXX XXXX XX/XX/XXXX {$9900.00} this account is showing late payments for XXXX and XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report
Product: Debt collection

XX/XX/year> company is sending debt collection notice for a parking ticket for no parking after certain hours with a license plate number that I don't know neither of my cars have this license plate number I think it's a scam I have no idea whose license plate number this pertains to but it's not me and I'm tired of them calling me three and four times a day and sending me mail for something that's not mine
Product: Vehicle loan or lease

We purchased a NEW XXXX XXXX in XX/XX/2021 and took out a loan with Kia Finance and we paid every month on time and actually paid in advance and in XX/XX/2021 and we only have a couple hundred dollars for payoff the vehicle which we sent a check on XX/XX/2021 for final payoff payment of {$200.00}. However the KIA Automotive Billing Department keeps sending us correspondence saying " your payment of {$200.00} IS PAST DUE '' THAT IS VIRTUALLY IMPOSSIBLE. 
We called the billing Department and they agreed there was an error but refused to send us a confirmation that there was an error. Talked to various people including a manager and they all refused to sent a confirmation of the mistake. A week later we get a bill saying we owe XXXX and there will be a LATE CHARGE OF $ XXXX.WE CONTACTED THE BILLING DEPARTMENT AGAIN AND IT WAS THE SAME STORY " WE CAN NOT SEND YOU ANYTHING VERIFYINF ALL THE ERRORS, BUT WE WILL MAKE NOTES IN YOUR RECORD. We paid this loan off years early and they keep sending us this kind of correspondence that will affect our credit rating of XXXX. We are never late paying anything always pay off early, just like now.
Product: Credit card or prepaid card

Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX
Product: Checking or savings account

I was at a salon today with my older daughter..and I was about to pay for our hair that we got done ..I went into my mobile banking to XXXX the money to the XXXXI found out that my account has been locked, they put a number to call ..I called several times ..all they could tell me is that I have a restriction on my account but they were unable to give me the reason ..and I also walked into the bank I couldnt withdraw any money ..now am stuck ..I dont have any money feed my kids not pay for the service that was rendered to me.please help me ..help me help my kids ..I dont want them to starve to death.thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Product: Credit reporting or other personal consumer reports

My report shows erroneous late payments that dont match my usual behavior. Requesting a correction and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following account ( s ) : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I purchased a XXXX XXXXXXXX XXXX from XXXXXXXX Nissan. I applied with the XXXX manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call Nissan Acceptance about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX Nissan, which was sent over by them to Nissan Acceptance had another social security number. 
Yesterday I spoke to a total of 3 agents from Nissan Acceptance. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from XXXX XXXX XXXXXXXX. I printed the form, filled it out, and then went straight to the dealership XXXX Nissan. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! Nissan Acceptance someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle ( Early Warning Services ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. This resulted in significant inconvenience and financial loss. I seek app redress for these violations.
Product: Debt collection

This debt agency keep calling my telephone number XXXX day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received a document from Advance Financial 24/7 stating that I was pre-qualified for a line of credit of up to {$4000.00}. They expressed that I was XXXX of the XXXX people in XXXX XXXX who have been pre-qualified for a CC Flow Line of Credit. This statement by itself gave me the impression that I was receiving a benefit that some of the other neighbors in my area. I recognized the clear discrimination against the other people in my local area. Although I was told that I was pre-qualified, I still got denied. After filling out the application that was required before I could receive the line of credit, on the preceding page I received a message that stated " Application denied '' " Regretfully, we are not able to approve your loan request at this time. They also placed a hard inquiry on my credit without my express written consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 

I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. XXXX XXXXXXXX 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

These Inquiries Hard do not belong to me. 

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

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXXXX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$220.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$750.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for unemployment loan deferment XX/XX/2018 when I lost my lost job last year. I received and signed the acceptance of the deferment and Navient has refused to honor this.
Product: Debt collection

I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent accounts in my file ASAP.
Product: Checking or savings account

On XX/XX/2022, my client deposited over $ XXXX in XXXX XXXX checks to open a savings account at Chase Bank . Interest then accrued and was paid to the account. 

On XX/XX/2022, the Chase Bank account statement reflects all money was withdrawn and the account was closed. 

My client has not received any funds whatsoever as of XX/XX/2022. 

Chase Bank first said a check for the account funds was sent by mail to my client 's XXXX, FL address. That check never arrived. 

Chase Bank then said they weren't authorized to send my client any check, so no check was sent. Chase Bank also said because the original checks were from XXXX XXXX ( US ) in US dollars but the checks ' maker was in XXXX, they were not able to verify the checks and are unable to call outside the US. The XXXX  maker said the funds had already been transferred, so they can not cancel any checks. 

Chase Bank then said my client had to go in person to a branch with 2 forms of ID in order to discuss the account. On XX/XX/2022, he did go to an XXXX, FL branch, but was told it was a " back office '' issue and they could not provide any other information. Branch escalation also had a case file, but referred us to the " loss prevention department, '' which still has not provided any information on the location of the funds and how my client can get his money back. 

Chase Bank continues to hold on to the {$1.00} million of my client 's funds ( 2 months after they were deposited at Chase ), closed my client 's account, and refuses to return the funds to my client. 

The funds were meant to make a real estate investment, which my client has not been able to close due to the missing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.