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

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please block these items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Despite many ( XXXX-XXXX ) telephone communications with billing dept trying to resolve a billing issue, XXXX XXXX ( 1 ) kept no record of their communications between me and multiple account representatives and ( 2 ) turned an inaccurate " balance '' over to a collection agency after telling me to wait for an updated account statement by mail while a medical discount program card was being processed. 

( Additional info : I chose the " debt was paid '' option from the dropdown menu because it most closely matches my situation. The medical assistance provider/drug manufacturer assistance program was in the process of approving my coverage when this debt was applied. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$800.00} XXXX XXXX XXXX  XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof 2 months ago and they never responded my mail or email XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX inquiries : XXXXXXXX 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

Despite multiple written requests, the unverified accounts 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/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit card

I received a notification of a credit card application at XXXX XXXX on XXXX XXXX. I has no knowledge of this application
Product: Debt collection

Synchrony Bank is acting on Amazon store card to fraud me my hard earned dollars. Last month I was paid {$120.00} to this same bank account and this month again they sent me {$26.00} to pay them for not buying anything from Amazon or any services rendered for me. This is a serious fraud of obtaining money from innocent people. Thanks for assisting me to cancel and regained money sent to them last month please
Product: Vehicle loan or lease

My name is XXXX XXXX, my XXXX XXXX XXXX, was paid off in XXXX, I have called many times to have the lien released, I never received a title, and they refuse to resend it. When I go to the dmv, the car still shows as Hyundai motor finance owning. This car is 100 % paid off. Theyve confirmed it again and again and I never receive any documents I need to either get my title or lien release. This is fraudulent and causing me hardship. VIN XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Navy Federal Credit Union regarding an unauthorized overdraft on my checking account and their failure to comply with federal consumer protection regulations. 

Details of the Complaint : Account Holder Name : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Incident Date : [ XX/XX/year> ] Credit Union XXXX XXXX Navy Federal Credit Union Summary of the Issue : On [ XXXX XXXX ], my checking account with Navy Federal Credit Union was overdrawn, resulting in a negative balance. I did not authorize any transactions that would have led to this situation. Despite multiple communications with Navy Federal, they have refused to rectify the negative balance or acknowledge their non-compliance with federal regulations. 

Key Points of Concern : Unauthorized Overdraft : I did not opt-in for overdraft services on my account. According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions must obtain explicit consent from account holders before processing transactions that would result in an overdraft. Navy Federal failed to comply with this requirement.

Failure to Correct the Negative Balance : Navy Federal has not taken any corrective action to rectify the negative balance on my account despite my repeated requests. This has caused significant inconvenience and financial strain. 
Non-Compliance with Federal Regulations : The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) mandates transparency and fairness in overdraft practices. Navy Federal 's actions violate these protections by subjecting me to an overdraft without explicit consent.

Attempts to Resolve : I have made several attempts to resolve this matter directly with Navy Federal through their eMessaging service. However, they have responded that they consider the matter closed and have refused to provide a satisfactory resolution. They have failed to address my concerns in accordance with federal consumer protection laws. 

Requested Resolution : I am seeking the CFPB 's assistance in ensuring that Navy Federal : Rectifies the negative balance on my account.

Ensures that no fees or penalties are applied to my account as a result of this incident.

Complies with federal consumer protection laws to prevent such issues in the future.

I have attached copies of the communications with Navy Federal for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Mortgage

My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fait credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : 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

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with TransUnion and XXXX  have not been resolved or responded to after a considerable amount of time.
Product: Debt collection

Good day, I cant emphasize enough how frustrating and overwhelming this situation has been. Out of nowhere, I discovered a debt that I have no knowledge ofcompletely unverified and not mine. To make matters worse, Ive been bombarded with harassing messages and calls from various platforms, each using different tactics to intimidate me. I never imagined facing threats of legal action over something I have no connection to. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. The constant harassment and the presence of this false debt on my credit report have taken a serious toll on my mental health, leaving me anxious and unable to sleep for days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry made not by me in XXXX no contact info listed Regionalac inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX XXXX XXXX inquiry made not by me on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company used your report improperly : Santander Consumer USA In accordance with 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

XXXX XXXX2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the Amount of {$5600.00} XXXX XXXX, 2010 unauthorized withdrawals of {$4900.00} Check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$2500.00} XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$8500.00} XXXX XXXX,2010 unauthorized Withdrawals of {$6100.00} check # XXXX XXXX XXXX, 2010 unauthorized withdrawals of {$15000.00} check # XXXX XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$3500.00} XXXX XXXX 201 unauthorized transfers from another XXXX XXXX XXXX. Business account in amounts of {$2000.00}, {$7000.00} and {$3500.00} XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$4000.00} check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employe made unauthorized withdrawals from XXXX XXXX XXXX. Business Account in amount of {$16000.00} check # XXXX All checks were sent to XXXX XXXX residential in XXXX XXXX. XXXX.
Product: Debt collection

On [ XX/XX/year> ], I sent a formal verification letter to Mobiloans requesting documentation to validate the accuracy and validity of an account they reported. The account was negatively impacting my credit reports with XXXX. In my letter, I specifically asked for : Proof of the debts validity ( e.g., signed contracts, account statements ).

Evidence that the debt was being accurately reported to all three credit bureaus.

Despite my request, Mobiloans failed to provide the requested information, violating their obligations under the Fair Credit Reporting Act ( FCRA ). Additionally, I noticed discrepancies in how the account was being reported across the three credit bureaus, violating FCRA Section 607 ( b ), which requires maximum possible accuracy in credit reporting.

I am requesting that Mobiloans either provide full documentation substantiating the debt or direct the credit bureaus to remove the account entirely if they can not provide verification.
Product: Student loan

This lender has failed to give consumer valid and proper opt out notice,16 CFR 313.7 Form of opt out notice to consumer ; opt out methods notice to report my non public personal information is being screened by unauthorized third party including sensitive information in regards to my place of dwelling like my residence number.actions by this company has directly violated the Gramm-Leech Bliley Act I have not agree to sharing with any third party this company has falsely misled the consumer/student into believing this was an agreement and under contract law to have an promissory note that was signed by me not properly used and XXXX include complaints to the XXXX XXXX XXXX All notices to consumers when sharing their personal information are prohibited when working without the person in whom it relates. Unauthorized use of identity is aggravated identity theft and maybe reported to the Federal Trade Commission. This company has also failed to provide original instrument of indebtedness in its original form promissory note in which was provided for the borrower, consumer behalf.
Product: Credit card

I am re filing my complaint, previously complaint # XXXX. Bank of America {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Bank of America sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Bank of America is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. " Bank of America is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Bank of America is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.