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

XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud investigator of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my XXXX XXXX XXXX XXXX XXXX experian equifax and transunion. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and gay people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS DISabled persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.
Product: Credit card

On XXXX XXXX, 2015 I booked a hotel reservation on XXXX for the XXXX Hotel. The reservation clearly stated the cancellation policy was as follows " cancellations or changes made after XXXX ( mountain daylight time XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 or no-shows are subject to a hotel fee equal to the first night 's rate plus tax and fees. ". I received an email confirming this booking and this policy. After our travel plans changed, on XXXX XXXX, 2015 I went back on XXXX and cancelled the reservation. At that time I received an email from XXXX confirming the cancellation stating the following : " You have cancelled with full refund of deposit by hotel. If you have been charged a deposit or partial payments, you will be issued a refund by XXXX XXXX XXXX ''. On XXXX XXXX, 2015 I received a " Large Purchase Alert '' from American Express in the amount of $ XXXX from XXXX XXXX I called XXXX and informed them I cancelled the reservation. They informed me since the booking was made through XXXX I would have to contract them. I called XXXX and spent 3 hours on the phone with them. Despite clear emails stating the contrary they stated they unfortunately the reservation was non-refundable and there was nothing they could do. I also called American Express and explained the situation and they have said since the transaction was with XXXX and XXXX views the reservation as non-refundable there is nothing they can do to help me. American Express recommended I contact a " 3rd party '' for help. At this point neither XXXX or XXXX are taking responsibility and despite all my time and effort I have been charged the full $ XXXX.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo called to let me know that they had detected fraud on my account and they listed a transaction and asked for me to confirm if I had authorized it. I told them I did not recognize the transaction so they stopped payment on subsequent transactions from that merchant but before their fraud system could detect fraud there were three transactions from that same merchant that went through. I filed a claim with Wells Fargo which they recently denied saying that the merchant has confirmed that those transactions were made from my IP address.
Product: Student loan

I am in the process of applying for loan forgiveness through the Public Service Loan Forgiveness program. FedLoans has an incorrect payment count. I have all payment receipts, as well as bank statements indicating payment. I have requested a review through FedLoans with no response.
Product: Credit card or prepaid card

Subject : XXXX XXXX and XXXX XXXX  Dispute XX/XX/2023 Navy Federal Response XX/XX/2023 : Thank you for using Navy Federal 's eMessaging service. Your documentation has been received and reviewed. To move forward with your claim, we will need a credit acknowledgment or cancellation request. If you have any questions, please contact us at XXXX. 


Your Message XX/XX/2023 : I dispute ALL charges in XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX ) XXXX  ( ~ {$1200.00} + ~ {$290.00} ) for the reasons previously given and supply proof of attempted contact and billing from the XXXX XXXX XXXX which is next door to the XXXX for XXXX XXXX XX/XX/2023. 

In addition, I dispute the ~ {$1400.00} made by XXXX XXXX XXXX  as the space they attempted to rent to me was not suitable for my XXXX XXXX XXXX or any vehicle larger than a compact car File Attachments File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) NFCU RESPONSE : This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.
Product: Consumer Loan

We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two dismissed bakruptcies on my credit reports with XX/XX/XXXX XXXX and experian that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  began to report {$76.00} open balance on my Transunion agency consumer report. The original creditor XXXX  XXXX  XXXX XXXX Who I previously had remove the same collection company removed from my account for {$860.00}. Which now they are re-reporting a new balance of {$76.00} from the previous collection placed on my consumer report that has already been deleted. I never received documentation from Transunion that we would reinsert this collection on to my credit report> This is fraud and again violating my consumer rights. In pursant to 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated.
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 : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX 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 : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX: XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Product: Debt collection

Portfolio Recovery & Associates is a violation of FDCPA sec 809b Portfolio Recovery & Associates attempts to collect a debt under the names : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Accounts can not be 100 percent validated ; this is a violation. 

PRA attempts to collect a debt in a state that i do not reside in ; A violation PRA does not have the right to collect any debt in my state of Florida PRA Knowingly reports fraudulent and misleading information in their attempt to validate the debt they claim i owe ; Which includes the following ; inaccurate name & address Inaccurate original creditor and amount owed ; Although a validation letter was submitted to the creditor ; the company illegally reports inaccurate information to the credit reporting agencies. 

All are unfair practices under federal law.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I received a text message stating that there was fraud on my bank of america checking account. A couple minutes later I received a call. The phone number was the bank of america customer service number. The person on the phone told me there was fraud on my account and they explained how I could reverse the fraudulent transaction online. Once I did what they said, {$3500.00} was taken out of my account. The scammed immediately hung up the phone. I then went to the local bank of america on XXXX XXXX in XXXX va. The manager there told me he was able to erase those transactions to the scammed and I checked my account. The {$3500.00} was back in my account. I then called bank of america fraud/scam dept to report what happened. I was told everything looked normal on my account. The transaction to the scanners didn't go through and everything was fine. The next day XX/XX/XXXX I checked my account and the scammed transactions were back on my account and the {$3500.00} was taken out. I immediately called bank of america fraud/ scam dept and told then what happened. I filed a claim with them. They assured me that the {$3500.00} would be reimbursed within 10 days. XX/XX/XXXX I get an email from bank america denying my claim.
Product: Checking or savings account

TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself.

At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX  XXXX XXXX Services will not speak to us without you on the line. 

For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court. 

It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Equifax, XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXX  # XXXX {$980.00}, XXXX XXXX XXXX XXXX  XXXX {$1900.00}, XXXX XXXX XXXXXXXX XXXX  # XXXX {$25000.00}, XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report.On XX/XX/2XXXX XXXX XXXX XXXX reported to all three credit bureaus a debt in the amount of {$270.00}. I recently submitted a complaint with this company and after reviewing their response I noticed they are trying to collect a debt that was closed due to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Filed disputes with XXXX, XXXX, XXXX and One main Financial asking them to provide proof of ownership and to remove from my credit report until they could provide proof. also stated that the loan has already been paid off by the principal. also stated they had no consent to add it to my credit report and for it to be removed immediately. Also stated they were violating the fcdpa act.
Product: Student loan

I want to submit a complain with regards to Navient and how the Department of Education is handling the new XXXX waiver. In my time of repayment, in XXXX to be exact I had issues with an affordable plan due to a nasty custody battle. When I called to request a lower payment on my federal and private loans held by navient. I was basically given the only option of default. I was basically told, it was better to default on a federal loan rather than my private loans. I have not missed a payment on my private loans, not even late. My federal, defaulted and my XXXX taxes XXXX was garnished. I was able to rehab my loans in XXXX and have it in good standing. Now with the XXXX waiver, we come to found out those default payments, and garnishment are not being counted. Those are payments, to my loan that is now in good standing. How is that fair? If new loans combine with old loans are being forgiven. If repayment status rather than actual payments are being counted? my default payments were real all XXXX, XXXX dollars. Please help us to have this address, the waiver needs to be updated and to include all types of payments!!
Product: Credit reporting

I requested signed and proven documents from Equifax for the following inquires and they have not provide the information, which is hard copy of the application with my signature showing I applied for credit. Please remove inquires ASAP. 

Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Dear Equifax Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage refinance with Better Mortgage on XX/XX/XXXX and received a loan estimate with a lender credit of {$3100.00}. I paid {$550.00} for an appraisal on XX/XX/XXXX in order to receive a rate lock. At the time of the application on XX/XX/XXXX, I provided an estimate of the home 's market value that had a loan to value ratio of 81 %, which meant PMI was part of the loan estimate. The home appraised a higher value bringing the loan to value ratio below 80 % and the PMI was rescinded from the loan estimate on XX/XX/XXXX. However, the lender 's credit decreased to {$450.00} on the revised loan estate from XX/XX/XXXX with no explanation from Better mortgage. The estimated closing costs increased over {$3000.00} despite no significant changes in circumstances occurring.
Product: Credit card or prepaid card

I have had to change my checking account information for my personal checking account that pays my insurance no credit card with USAA. I have spent hours on r=the phone with them, speaking to multiple representatives and they all tell me something different. They told me my payments were ok and set up but they did not actually set them up properly causing me to get fees and late payment notices. The insurance side set up auto payments but also did not set them up correctly causing my account to go delinquent. It has been a horrible experience and their representatives obviously are not trained to take calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I AM SATISFIED WITH THE DEBT FORGIVENESS, HOWEVER I WANT BOTH OF THE ATTACHED ACCOUNTS REMOVED IMMEDIATELY FROM CLARITY REPORTS AND ALL RECORDS ASAP!!!! XXXX XXXX DEFINITES NEEDS TO PAY ME {$1500.00} FOR EMOTIONAL DISTRESS ALONG WITH {$150000.00} IN LOST WAGES BECAUSE I HAVE MISSED OUT ON EMPLOYMENT, A VEHICLE AND A HOME BECAUSE OF THIS SITUATION!!!! IF THIS IS NOT DONE BY XX/XX/2024 I WILL CONTINUE TO COMPLAIN AND SUE THIS COMPANY!!!!
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed one of my accounts was not reporting accurately. It shows a late payment on my account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not had any late payments and I've attached a copy of the reports to this complaint with the following dates, XX/XX/scrub>XX/XX/XXXXI am requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX