23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Background : I froze my credit bureau reports with XXXX, XXXX and Experian, more than a decade ago. Given the risk of hacking and data theft from large company data bases, I use the automated phone systems of the bureaus to lift and re-freeze my accounts, which I have done several times over the years.On XXXX, I called and over the phone, successfully lifted my freeze at XXXX and XXXX for XXXX day to expire on XXXX. On my first call yesterday to Experian, I was told freezing my accounts is no longer the most effective method of preventing someone from opening credit in my name. I was given XXXX options to lift the freeze for XXXX hours. 
XXXX go online -- -- which requires entering my SSN ( clearly a risk in today 's environment ). 
XXXX sending a letter with copy of driver 's license, utility bills/ takes XXXX days for reply. 
XXXX purchase a new product with a XXXX time fee of {$360.00} that would synch protection from all XXXX bureaus. 
I advised Experian that I needed to lift the freeze effective today and that the other XXXX bureaus ' systems lifted over the phone, without requiring me to go online and they did not mention a new {$360.00} product. I phoned Experian again, a different call center agent, and was offered XXXX XXXX. mail a letter or XXXX the new {$360.00} product. 
Given the risk of data base theft, I chose not to go online with Experian and enter my SSN and still have not completed the pending application for a line of credit.
Product: Checking or savings account

In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.
Product: Vehicle loan or lease

Money Stolen by Tesla and has not refunded even after agreed to Consumer Financial Protection Bureau to refund the stolen Deposit.
Product: Credit reporting 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. 
I told XXXX, Transunion, and XXXX to reinvest in these accounts : XXXX Bank XXXX Account No : XXXX XXXX XXXXXXXX Account No : XXXX XXXX Account No XXXX XXXX XXXX Account No XXXX XXXX XXXX XXXXXXXX Account No XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect?

According to 15 U.S.C 168 section 602 A states that I have right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) it also states that a consumer reporting agency can not furnish an account without written my instructions.
Product: Mortgage

On XX/XX/XXXX, during the application process for a HELOC, we learned that a duplicate lien was incorrectly filed when we originally purchased our home in XX/XX/XXXX, which blocks the application for our HELOC. 

Multiple calls and emails since that time have generated zero action. We are unable to actually speak to anyone at the mortgage company ( only the service provider ) and multiple emails and requests for an authorization form required to remove the duplicate lien have been met with wrong directions. Multiple calls to XXXX XXXX Lakeview have resulted in nothing less than rabbit trails and misinformation at a level that is dumbfounding. Added delays due to systems being down have only compounded the situation. 

Almost two weeks ago, someone at XXXX informed me that the file was sent to XXXX, the original mortgage company. I have been trying to get through to them, to also get the same message that their systems are down. Out of desperation this morning, I connected with someone at ( what I thought ) was XXXX, only to discover two transfers later that I was actually talking to someone at XXXX. I was never given the actual number to XXXX. 

Today, I essentially had to start the process from scratch, sending another email with all of the documentation, case numbers, etc. 

I am waiting for an authorization form that I need to sign that will release the duplicate lien. Nothing has been mailed or emailed to me.
Product: Credit reporting or other personal consumer reports

It is extremely concerning that there is an unfamiliar inquiry on my credit report. I did not authorized nor consented to this company to access my information, it's causing me a lot of stress and XXXX.
Product: Money transfer, virtual currency, or money service

I have an acountt in Bank of America ( CA ) and I have an account in XXXX ( XXXX XXXX  ) in US dollars. 
When I try to send dollars from my account in california to my account ( in dollars ) in XXXX will not allow me to do it, only aloud me to do the transfer and reciving the money in Euros.

I need to get dollars to my account at XXXX in XXXX not Euros. 
Bank of America force me to do the currency echange with them at a very high exchange rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than 6 years. I have a mix of credit and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more. 

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, XXXX. 

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.
Product: Vehicle loan or lease

I am submitting this complaint against Flagship Credit Acceptance for failing to provide the legally required Notice of Right to Cure Default or Notice of Intent to Repossess my vehicle before initiating repossession proceedings. Despite my attempts to address this issue directly with the company, they have ignored my requests for compliance with due process.

2. Violation Details : I financed my vehicle through Flagship Credit Acceptance ].

I was not provided with a written notice informing me of my right to cure the default before any repossession actions were taken.

I was also never notified about their intent to repossess the vehicle, violating state laws and consumer protection regulations.

I reached out to Flagship Credit Acceptance twice to request proof that a legally compliant notice was sent. They have failed to respond both times, ignoring my requests.

This lack of notification prevented me from taking the necessary steps to cure the alleged default, leading to a violation of my due process rights.

Uniform Commercial Code ( UCC ) 9-611 requires lenders to send proper notification before repossession.

State Repossession Laws mandate that lenders provide a notice of default and repossession intent.

Fair Debt Collection Practices Act ( FDCPA ) & Consumer Financial Protection Regulations require fair treatment and communication with the borrower.The company have also violated FCRA 1681s-2 ( a ) ( 3 ) Duty to Report Disputed Information If you dispute an account directly with the creditor or through a credit bureau , the furnisher ( Flagship Credit Acceptance ) can not report the disputed debt as accurate without first conducting an investigation.FCRA 1681c ( f ) Prohibition on Reporting Incomplete or Disputed Information If a dispute is under investigation, the creditor can not continue furnishing negative data until the matter is resolved.

I appreciate the CFPB assistance in ensuring compliance with consumer protection laws. I look forward to a resolution on this matter.
Product: Student loan

Hello, I regularly check my credit score has Im trying to fix my credit. Ive noticed that navient has popped up as a charge off on a student loan. I immediately disputed the derogatory mark has I didnt recognize the lender. Upon further investigation I saw that they use to be a part of sallie Mae. My mother paid off all of my student loans before she passed away in XX/XX/2014. According to the report payments stopped in XX/XX/2014. Navient made no attempts to reach out to me directly. Had I known there was a loan left out I would have picked up where my mother left off. Navient has stayed that they have tried reaching out to me with no response. Ive asked for the phone number and address they have on file which they say they can not provide. Im beyond disgusted with the lack of customer service in trying to get this debt resolved. I find some of what they are doing fraudulent. I have disputed this information to the credit bureaus numerous of times. I must have rights when it comes to this matter.
Product: Credit reporting or other personal consumer reports

Experian has ignored valid disputes that all other agencies have removed from my credit report. My credit score has risen dramatically due to false reporting of debt by creditors. Every other credit reporting agency has recognized my diligence in improving my score, but Experian continues to damage It.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account XXXX : XXXX Creditor took 30  days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance on this account is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXXThru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report. 

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report. 

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold to XX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence.

I have never done business with your company and have no legal obligation to pay you for any services.

I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to have dispute remarks removed but the agent closed three active accounts. When I called to have them did their error, they refused. The accounts they closed at open and active at a XXXX  balance.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 be
lieve that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple mortgage accounts that is identity theft. I submitted several documents to prove these accounts are not accurate.
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX and they have ignored my request. 

They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. 

How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? 

These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. 

Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? 

The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. 

I contacted the credit agencies and my credit file is still inaccurate. 

These error are preventing me from obtaining a mortgage, credit cards and loans.
Product: Checking or savings account

I have tried several times to access my checking and savings account at Ally Bank, but the bank appears to have blocked access to my account and refuses to give me a reason. When I called their helpline they told me that they could only help me if I wrote to them. When I wrote to the bank I received no response. This letter is attached. I also called the bank several times during the past month I was repeatedly told they could not help me. 

I am an attorney and I have to pay for clients bills as I'm authorize to do from this account. I have suffered significant damage in my clients have suffered damage because of the bank 's action. Is the bank does not respond to me I have contacted you and hope that you can help to resolve this matter and encourage the bank to pay me compensation and ensure that such blocking of my account without any reason does not happen in the future.
Product: Credit card or prepaid card

My account was deleted without any steps for me to take! It just said thats not your password and when I want a password reset request it never showed up in my email.
Product: Student loan

I reconsolidated my student loan debt thinking it was the smart thing to do. I work for a non-profit agency and have for the past 10 years. I reconsolidated back in XX/XX/XXXX. 

I was nit too familiar with the company I chose to refinance and was overwhelmed at the time due to financial difficulties of going through a divorce with a child. 

I pay my loan to XXXX XXXX of {$180.00}, in the middle of the month, but then I get a separate charge taken directly out of my bank account under Equitable Acceptance of {$45.00} at the end of the month. Equitable Acceptance is a third party, but I never seem to get a clear answer as to why I being charged this fee when the whole idea is for me to pay less and have loan forgiveness in 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian permission to furnish these accounts. Accounts : XXXX
Product: Mortgage

I set up auto-pay with LoanCare around XX/XX/XXXX after my mortgage was sold they changed their system. I had been paying manually each month, set up auto-pay and it failed to charge me in XX/XX/XXXX. I had no idea this was delinquent until I saw a ding on my credit report. I called loancare in XXXX XXXX to re-establish auto pay, as calling was the only payment option offered. To this day, I am unable to access my mortgage through a web browser via a computer. The agent confirmed that auto-pay would be set up and stated it would initiate until the following month. I was not informed of any missed payments between XXXX. No emails, letters, or account statements were sent to notify me that a payment was due. It has resulted in a derogatory mark that caused my XXXX XXXX to drop significantly. I received the mark before I received any communication about a delinquent payment. This has prevented me from refinancing my mortgage at a lower rate. I am now stuck with LoanCare, and they appear to be incentivized to report poorly. I am seeking to have the missed payment status removed from my credit report and for LoanCare to improve their communication process and backend to prevent similar issues in the future.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 I called Navy Federal Credit Union to be informed that my credit card was cancelled despite my honoring the payment arrangement. They closed it without notifying me in any capacity. Further, upon realizing error the woman I spoke to on the phone was nothing less than vicious in her demeanor and refused to provide any assistance. When I asked her to refer to the previous calls to verify the payment arrangements she chuckled and said oh no I aint got access to that, thats only some other people.