23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This lowlife disgusting company trolls probate court records and then mails out fraudulent canned solicitation letters to the Estate Executors in an attempt to collect non-existent debt. There are hundreds of similar complaints against them on the XXXX XXXX  website and online. The falsely claim the deceased owe a debt and then try and shake down the bereaved. I also received one such scam letter. This company is disgusting and the lowest of the low and must be stopped and put out of the public 's misery. 

https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Please verify proof of the debt, application and a written hand signature of reporting amount XXXX XXXX Potentially Negative, Balance, Balance updated 2. Reported a debt of unknown amount {$6100.00} debt summary 3. reported 5. closed closed accounts4. 23 unknown hard inquires and multiple ] XXXX  soft inquires reported without my written consent and privacy adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I am demanding verification hard copy proof of reporting negative improper damaged character and use of my Credit card which I do not have the benefit of and invasion of my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to CMRE FINANCIAL SERVICES , INC . Thanks!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF ED/XXXX XXXX Balance : {$3800.00} U S DEPT OF EDXXXX XXXX Balance : {$3700.00} U S DEPT OF EDXXXX XXXX Balance : {$2200.00} U S DEPT OF EDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies I am complaining against is XXXX  and XXXX 

This may not be the right category but can the loosely fit to this category and purpose of this organization. If not accept my apologies as i dont know where else to turn to regarding this issue. 

1. I had invested in an App/Company called XXXX through XXXX. This company was acquired by XXXX few years ago. There is no information about the progress of investor investments or acquisition deal size. They simply stated undisclosed amount. If they raise money from investors i think they are liable to share all the details with us. Let us know the dilution of the value and shares that occurred if any due tot he deal. Have veeb trying to contact XXXX, XXXX execs and XXXX execs for a while and no resolution has been given. I suspect there has been fraud done against investors and would like to get answers and if possible sue them for negligence or fraud or suppression of information. 

2. Another company i invested through XXXX is called XXXX XXXX. This company went sort of bankrupt and sold themselves most likely to their relatives ( but think its legal transaction ) for a loss of over 95 %. We the investors are not able to claim loss on this cos of the nature of the deal. Most importantly my issue is that XXXX advertise this as a successful campaign. This can be misleading as this was successful in collecting money from investors but is a failed company. 

3. In XXXX platform some of the details of the closed campaigns are gone and have to contact customer service to get these information. I would appreciate if they keep all information like round size valuation etc intact in their platform fro investors to review after many years of closing the campaign.
Product: Credit reporting or other personal consumer reports

I am a victim of identity. there are fraudulent addresses and other items on my credit report. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Any other address on any Credit bureau I have no association with.
Product: Debt or credit management

Lexington Law has charged me for services they didn't even perform on my credit including inquiry removal and suing abusive creditors for monetary gain. Took credit for other Credit Repair agency 's repair of my credit score and think that the whole company is ran by XXXX XXXXXXXX XXXX Talks with customer service are just to update payment information if I were to default on any payments. Lexington Law is a scam and is proven through the CFPB.
Product: Vehicle loan or lease

I have tried to contact SE Toyota Financing by mail regarding my account and the late payments being took of my credit reports. During the past few years I've had to take care of my family and members who had severe illness and caused me to fall behind on some of my payments. This will help me out tremendously with my financial situation for myself and family.
Product: Vehicle loan or lease

I have a loan on a used XXXX XXXX XXXX that was fraudulent loan to me on XXXX XXXX with plenty of violations the dates on the loan is not matching to the date I did the loan with them also my signature was forged on some of the paperwork ..! also they have violated my consumer rights under the federal law US CODE S1605c
Product: Bank account or service

I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.
Product: Debt collection

On XX/XX/XXXX, I received a letter from convergent XXXX XXXX, stating that I owed XXXX dollars for a XXXX XXXX account that I had not created. It was deduced that my social security number was stolen and used to create this account in my name. I disputed this with the collection agency, filed a police report, disputed the claim to credit agencies XXXX, XXXX, and XXXX, and froze the account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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 an account without my written instructions. 

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

I have contacted all three credit company XXXX, Trans Union and XXXX regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that XXXX and trans union, and XXXX still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done
Product: Credit card

When I try to open a Recents credit card with you guys I was denied and the only reason I was given was restricted account. I asked how to restrict it and they said I couldn't because I had a card that you guys charged off several several years ago. This is probably has to do with the time that I experienced identity theft and account takeovers it's many years old and I really think it would be fair to not treat me as a victim and give me a fair chance to apply to a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My complaint is fairly simple so forgive its brevity : The equifax corporation has not supported credit freezes through their website as required by law in that their online login system to do so has been down since at least XX/XX/XXXX, that i can prove here. 

My several attempts to contact the company regarding this are met with an admittance that this is a known issue but no timetable to completion of a fix and no really interest in allowing me to talk to those who might be able to fix it.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX that my TransUnion score dropped 75 points. When I contacted TransUnion to see why. ( Because nothing has changed, I have a 100 percent payment history, no new credit ) I spoke with a Supervisor and they could see my score dropped but could not tell me why. This is unacceptable, I use my credit score for my livelihood and now this is going to effect me until corrected. Which obviously is not going to happen quickly. Credit Bureaus should not be allow to just drop your score with no explanation. My score went from XXXX to XXXX. That's the difference between good and bad.
Product: Student loan

I worked for 5 years as a XXXX in a XXXX ( XXXX XXXX XXXX ) in the XXXX, TN / XXXX County XXXX XXXX XXXX. I love working with XXXX, but the prospective pay was significantly lower than if I were to work privately. However, other XXXX working in XXXX indicated they had successfully used the 5 year XXXX Loan Forgiveness Program to help offset the lost income. So I worked 5 grueling years in this XXXX which was so dysfunctional that there was significant XXXX turnover every year. Every year I was offered positions in less challenging, higher performing schools but always stayed at XXXX XXXX because of my bonds with the children and ultimate promise of the loan forgiveness. By the fifth year, I was one of the most tenured XXXX and considered a resource for stability in the XXXX. I successfully had Perkins loans forgiven under a similar program, but when it came to Navient approving the XXXX Loan Forgiveness Program they said I did not quality because her state XXXX license listed her as a " XXXX '' and not a " XXXX. '' This, while technically accurate, is a ludicrous distinction. In substance I met every program requirement : speech therapy itself is teaching language and communication skills to children with language and communication deficiencies ; the significant majority of my case load was special needs children ; and I worked for 5 consecutive years in an officially recognized low income XXXX. XXXX. I had parents crying thanking me for XXXX over 5 years. I also became a recognized leader in the XXXX in the use of XXXX, especially XXXX, for improving XXXX. XXXX. I say all of this to ask - is n't that the absolute point of this program? To encourage highly qualified ( I understand this is term has varying definitions state by state, but to even be a XXXX in Tennessee you must have a XXXX degree which I have, so I am already " highly qualified '' ) XXXX ( I XXXX! ) to go into challenging positions ( low income XXXX ) that are less attractive ( at least financially ) to help underserved populations ( XXXX who otherwise could not afford the necessary XXXX )? I frankly can not fathom how I do not qualify, especially when other XXXX have qualified under the same program. Navient told me it boiled down to the license not saying " XXXX. '' This is such a classic example of nameless large company bureaucrats finding a way to deny a promise made, and apparently is not alone in other deceitful business practices used by Navient as indicated by the recent lawsuit. In addition, I called the prior Stafford loan servicer, XXXX, every single year to confirm I still qualified for the loan forgiveness program and every year I was reassured I did. Navient only took over the loan servicing RIGHT as it was time to apply. Navient 's excuse was they are more " strict '' than other loan servicers ( I would say " literal '' to the extent of being disingenuous ). Well, as we see in the news now, they are reckless and unscrupulous. I ca n't say I 'm surprised!
Product: Mortgage

I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report from XXXX, Transunion XXXX XXXX and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by Transunion, XXXX or XXXX when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.
Product: Checking or savings account

Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. 
I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. 
XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. 
I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. 
Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX  who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties,
including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian hasnt fix my error on my credit report and rejected my dispute with XXXX XXXX  and said that my docs is not good enough for them and leaving my dispute open for very long time the name of the creditor is XXXX XXXX  XXXX credit card date opened XXXX balance XXXX FTC REPORT ADDED THIS ACCOUNT IS OPEN AS IDENTITY THEFT AND ALL THE PAYMENTS WERE FAKE AND FRAUD ACCORDING THE CREDITOR PLEASE BLOCK THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Department of Education/Navient is a government entity aka " person '' and it unlawfully for it to be placed on my customer report based on 15 US Code 1681 ( a ) exclusions. Based on that fact, I demand it be removed from all consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

The collection agency LVNV LLC funding sued me in XXXX XXXX, TX my court date XX/XX/XXXX  and another one in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX in which they received payments and this account has never been late. I requested several times via phone and by mail and nothing has changed.