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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible I XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX, XXXX, EXPERIAN In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have had relationships with.. 
are all unauthorized an have no Permissible use. 
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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Student loan

I believe by law I am supposed to receive a billing statement weeks before my due date. I never received it.
Product: Mortgage

On Wednesday XXXX the XXXX I went on Loan Depot 's web site and inquired by inputting my Name and phone #, after I hit submit I get a call in XXXX seconds asking me, how they could be of help. I was very impressed by their quick response. I spoke to a gentleman briefly, and he transfereed me to a loan officer right away, saying he is the man I need to talk to. XXXX XXXX came on the phone and asked me, how he could be of help. I told him I 'm in the process of purchasing a XXXX in XXXX XXXX, Ca. My offer XXXX XXXX was just accepted and that I was shopping for the best interest rates. He said he would be happy to help, and told me what his Company could offer me. After twenty minutes of conversation I had made my mind to go with Loan Depot for my loan. He said he could do this entire process over the phone, I agreed and I provided all the information he requested. I had asked him if that 's the best pricing he could do. And he said everything I tell you is recorded, and if I get a better price, Loan Depot would match it and give me {$500.00} as credit on closing the loan. That evening I met with the sellers agent and provided a deposit of {$3000.00} and signed the sale agreement. And that night, I emailed XXXX XXXX all the requested document, since my interest rate was locked. On Thursday the XXXX of XXXX I informed XXXX that XXXX XXXX XXXX had given me a better interest rate of XXXX on the same product he was selling me, and he told me to email him the XXXX estimate, he called me back and said they will match it, I told he would also have honor the {$500.00} credit since I had received a better deal with XXXX he said that should not be a problem, he would talk to his supervisor. He called me XXXX minutes later and said it 's done, now my origination fee would be {$390.00} instead of {$890.00} I told him to move forward, and to send me a revised quote. Later that afternoon XXXX XXXX XXXX XXXX XXXX called me and said that they are not able to give me the {$500.00} credit. I told him XXXX had promised me the Credit, and the conversation was recorded, he said will should have not told you that, until he had received an approval. I was frustrated and told him how could Loan Depot change their minds, that 's not professional. I had emiled you all my personnel information XXXX credit repot, bank statement, pay stubs, and many other documents ) He started to apologize I told him it was false advertising, but he really did not seem to care. Now my Credit score has dropped from XXXX to XXXX due to excessive inquires and burrowing my coast me more money, with another Lender
Product: Vehicle loan or lease

On XX/XX/year> my car was repossessed by prestige financial services. They did not give me a chance to get my car back. They did not provide me the information to find out where my car was. They did not provide me a list of contents of what was in my car. They did not do anything they didnt even tell me the car was up for repossession. They did not provide me any information to retrieve my belongings. They sold my vehicle without giving me notification and then they ignored every request for the information on where my belongings were or reimbursing me for the value of my belongings, which was in the car which was valued at over {$2500.00}.
Product: Credit reporting or other personal consumer reports

Opp Loans via XXXXXXXX XXXX  continue to report a past due balance on an account that has been closed, disputed, sent to collection then disputed in court where the creditor and their collection company were not able to correctly support the alleged debt owed and therefore agreed to drop the case and end all collection efforts and delete all reported information. Opp LoansXXXXXXXX XXXX are failing to uphold the agreed upon settlement that was worked out between my attorney and theirs- the collection companys attorney on behalf of the creditor. I request all data be removed from my credit reports as it relates to the falsely alleged debt as agreed upon in court. Signed documentation is available to support this claim and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX  originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( Experian, XXXX and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with Experian twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding, a Debt Buyer, bought this account from XXXX XXXX, and then placed the account on my credit report, while deleting the XXXX XXXX XXXX. By doing this, they deleted my history with this creditor. Ironically, THEY OWN XXXX XXXX also. This is false, misleading and misrepresentation at its worst! In addition, the account is over 4 years old, exceeding the state of Maryland 's statute of limitations.
Product: Money transfer, virtual currency, or money service

Below is a list of fraudulent transactions that were made from my Chase bank account through XXXX. I have no knowledge of who the recipients are or of where they are located. All the charges were made without my approval or authorization, and the charges constitute financial fraud. The amounts below were withdrawn from account number XXXX. 
The complete irregularity of the outgoing XXXX transactions ( linked directly to my Chase account ), in comparison to my account history, should also be considered as further evidence to the fraudulent nature of these charges. 
The following fraudulent charges were made between the dates of XX/XX/XXXX th and XX/XX/XXXX th of 2022. 

Date of Charge Transaction # /Description Transaction Type Amount Chase Fraud Claim Number XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$150.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$100.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX - {$250.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$300.00} XXXX XX/XX/2022 XXXX XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX
Product: Credit card or prepaid card

On XXXX, I, the consumer and natural person, was denied credit by Navy Federal Credit Union when i applied for a Platinum Mastercard account.Credit denialAdverse action against a consumer is against the LAW, a liability for breach of fiduciary duty 29 USC 1109 violation pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691c pursuant to civil liability 15 USC 1692k.i was discrimiated against by NFCU by the response i recieved.As well they are in violation of 15 USC 1642,15 USC 1681m,15 USC 1611,15 USC1640,15 USC 15,12 CFR 1002,15 USC 1666 , 15 USC 1602l , m, n, o, p , and 15 USC 1692b { 5 }.
Product: Student loan

In XXXX MOHELA removed the account from my XXXX report. On XX/XX/XXXX they added it back onto my credit report as a " NEW '' account dropping my credit score XXXX points. It's not a NEW account. My student loans are deferred pending a closed school application. Also in XXXX, they added a XXXX loan to my XXXX credit report and they keep raising the balance each month. I have requested that they remove the XXXX account since I only have XXXX. This is not the first time that they have done this to me. The last time it took a year and a half for me to get it removed. You can not get through on the phone to these people. I have been " in transition '' on their website for months so I can not upload any proof to these people. When you call they are rude as can be. The federal loan website states my balance is {$22000.00} which is not reported on any of my credit bureaus. These people can literally ruin your well-being without any consequences. They report missed payments on student loans that were closed in XXXX that should not even be on my credit report any longer. 

I would like them to correct all of this my XX/XX/XXXX.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 believe that the information is inaccurate.
Product: Debt collection

I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
Product: Credit card

XXXXXXXX XXXX XXXX XXXXccount number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$100.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I contacted Celtic/Cont and asked them to verify this information it's only listed on my XXXX profile and this is not my account.
Product: Checking or savings account

I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX  had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''
Product: Vehicle loan or lease

I had a auto loan through American credit acceptance for a truck purchased in California. 
A month after purchasing the truck we moved from XXXX XXXX XXXX  in XXXX XXXX The loan was paid off on XX/XX/XXXX. At the time of payoff, I called ACA and confirmed the title would be mailed to me at my address in XXXX where the truckis registeredandinsured. I was assured it would be sent XXXX  to my address. I have contacted ACA 8 times to now be told it is an electronic title that was released to the state of XXXX I do not live on XXXX. I've not been able to contact XXXX XXXX XXXX is on the same electronic title system. XXXX  was able to find the electronic title but it still has the lean on the title. When I call to speak with ACA they say they have done their part. Now, I don't have a title and have no way of getting a title to a XXXX truck.
Product: Debt collection

On XX/XX/2023 at XXXX XXXX  I made a call to CMRE Financial Services, a debit collector. 
I made the call to advise them that I was not responsible for a collection notice of {$110.00} that was sent to me. 

The XXXX XXXX XXXX XXXX XXXX paid for all bills related to my XXXX XXXX. As all of my benefits state, the Veteran Responsibility is XXXX. 
Out of the hundreds of lines of bills for my XXXX, this has been my only bill that I have ever received. 

I explained this in detail, to the CMRE representative and she told me that I have no recourse other than dispute the bill. 
I asked her " does this mean I have to go to the FTC to get this straightened out? 

She immediately said I was threatening her by implying that I would go to the FTC, and abruptly ended the conversation. 

What shall I do? 
My credit report is important to me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXXXXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Rausch Sturm sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, Rausch Sturm LLP. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute several errors on my TransUnion credit report, illustrated in the attached files. TransUnion has responded with " Verified as Accurate '' on two accounts when the " Date Updated '' and " Date Last Active '' have not changed ; therefore, they have not done any investigation into the accounts and claimed to have verified the information. Additionally, when I challenged them on this matter in my follow-up dispute letter, they claimed that I was using a 3rd party debt repair service, which I mailed the letters myself, and that the 3rd party did not have the correct authorization to work my behalf. I have included a copy of my ID and Social Security card and a recent utility bill to confirm that it is me with each dispute letter I have sent. I feel that TransUnion is using this tactic as a deterrent in my attempts to correct errors on my credit report with them as they benefit from the negative and false information represented on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX email : XXXX Paypal Account request to restore