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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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. 

This account was recently disputed and previously deleted under the terms of investigation by Transuion but now being reported again. Under law I'm demanding this account to be removed from my credit report. Under the Fair Credit Reporting Act, it is unlawful for a collection agency to report a debt that they know is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been over 30 days since I sent in my mail disputes to Equifax letter attached in the box below I have submitted a notarized Identity Theft affidavit to XXXX and they have not removed the inquires. They are in violation of the FCRA 609 ( a ) ( 1 ) ( A ) and countless other VIOLATIONS of the FCRA such as PERMISSIBLE PURPOSE. 

I am seeking financial damages as I was denied credit due to incorrect reporting on my account after I disputed Several times. 

I also called today 3 times and got disconnected. 

1st rep said they got my documents but it hasn't been processed. they will remove 2nd rep said the same thing. 
3 rep couldnt transfer me to the correct department even thought I have a receipt of faxed info and verification of that was said on a recorded line that I have submitted correct docs and has been processing. 

None of the unauthorized inquires have been removed.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX upon signing for the vehicle I know that Americredit was the listed XXXX holder. Shortly thereafter I started to receive statements from Gm financial. My payment were a total of XXXXXXXX XXXX XXXX 

XXXX XXXX XX/XX/XXXX XXXX is listed on my Credit as an inquiry on XX/XX/XXXX. Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Gm financial I had financial hardship at the time where I made a paymenT arrangement with this company however, I was still waiting for my check as well as it would take a XXXX XXXX XXXX to processing to my bank account. 

XXXX thing is for-sure is why would this company contact me at XXXX XXXX XXXX XXXX stating to contact them immediately only to repossess the vehicle early in the morning the was at XXXX XXXX standard time XXXX I didnt see the email until the XXXX XXXX. I guess they work late on those XXXX because often times They were closed after a certain time. 

XX/XX/XXXX, I received an email at XXXX from GM financial telling me to contact them as soon as possible. I never saw the email until the XXXX XXXX when I walked outside and noticed the car was missing. So I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that really didnt result to anything. Contacted Gm financial and gave me the instructions to get my vehicle which included going to the police stating and paying a fine and also having to go to XXXX XXXX to pick up my vehicle. However I noticed that the paperwork that I received in the mail stated the vehicle was located in XXXXXXXX XXXX
Product: Vehicle loan or lease

Letter of Rescission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date : [ Insert Date ] Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Notice of Rescission Pursuant to Regulation Z, 12 C.F.R. 1026.23 ( d ) Dear Credit Acceptance, This letter serves as a formal Notice of Rescission of my auto loan agreement under the Truth in Lending Act ( 15 U.S.C. 1635 ) and its implementing regulation, Regulation Z ( 12 C.F.R. 1026.23 ( d ) ). This rescission is based on multiple violations and fraudulent practices committed by Credit Acceptance and its associated dealership, XXXX XXXX XXXX XXXXXX/XX/XXXX 

Reasons for Rescission 1. Fraudulent Down Payment : The dealership fraudulently forced me to make a down payment during the transaction, violating 25 C.F.R. 11.417, which governs consumer credit transactions.

2. Failure to Disclose Fees : Fees associated with the loan were not properly disclosed as required by 18 U.S.C. 1348, making the transaction deceptive and unlawful.

3. Unauthorized Sale of Insurance : I was enrolled in service contracts, warranties, and roadside assistance programs that were not disclosed, and the dealership is unauthorized to sell such insurance products, in violation of 18 U.S.C. 1033.

4. Forgery of Signature : My signature on the loan documents was forged or unlawfully copied and pasted, in direct violation of 18 U.S.C. 1028, which governs identity fraud.

5. Failure to Provide Accurate Disclosures Under TILA : As a creditor, Credit Acceptance failed to disclose the true cost of borrowing, including interest-rate limits and finance charges, as required by the Truth in Lending Act ( TILA ). 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Email : XXXX Phone : XXXX
Product: Mortgage

I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I recently reached out to XXXX and Equifax to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.
Product: Debt collection

Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.
Product: Credit reporting or other personal consumer reports

I Had taken the covid vaccine and had XXXX strokes and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost killed me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Debt collection

Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My NAME is XXXX XXXX XXXX. 

According to Early Warning System : Chase, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, These accounts are not mine. this is fraud please delete. 


Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing Servi are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got the attached letter in the mail for a debt which I did not commit. I believe there are false statements on the letter. 

I have never had a XXXX account.
Product: Debt collection

The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX account belong to someone with similar name. bureau deleted then it came back
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my XXXX  credit report due to very harmful negligence by XXXX XXXX  XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( XXXX ) XXXX inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Debt collection

My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.
Product: Debt collection

I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.
Product: Mortgage

I am still missing last months payment from XXXX i made a {$1300.00} dollar payment and the mortgage company has yet to apply it on my end the bank statement shows they took the money so i want to know where my money went and is this gon na happen every month i make a payment one is gon na get lost.
Product: Checking or savings account

When I opened the CD online, they took the money immediately from my account. But when the CD matured, I had no option online to close it and not renew it. I had to call them to tell them to close the CD and not renew it again. 
They would not deposit the money back into my account immediately as they took it immediately. They said they will mail a check. Two weeks later, the check came in damaged and my bank could not take it because the routing number was scraped off. I have been calling them now for over six weeks and they still havent sent me the check For the two months period they've held my money, I have lost over {$4000.00} in interest income had they deposited the money back into my account.
Product: Checking or savings account

Because the account has been affected or spammed, access has been denied. I have had these accounts since XXXX and have documented federal tax returns thru XXXX. Approximately I had a total amount of XXXX deposited in Synchrony Bank. Most everything is done on line or by phone.
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to find inaccurate accounts on my credit report, and I can't figure out why. I always check my credit report, and everything was fine until today when these discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might be a glitch, but nothing changedthe inaccurate accounts remained. I'm requesting that the documents I've submitted be carefully examined so I can move on without this worry hanging over me.
Product: Consumer Loan

on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit.
Product: Debt collection

In XXXX I had requested that false information be deleted off my credit report regarding Equifax and XXXX XXXXXXXX XXXX. Equifax stated that the debt was verified by the XXXX, but I still have not got the steps that was taken to validate this debt. I still havent seen a original contract validating this is my debt also havent been provided with the investigation steps or measures that were taken to to make sure this debt is validated.
Product: Debt collection

On XX/XX/XXXX, a debt collector from " Midland '' named XXXX XXXX called my school ( I am a teacher ) and told my principal that I was going to be sued for non payment of a loan. He then told her that he was coming to the school to give me a summons. My principal asked him not to come to the school. She then took down his information and gave it to me. I called back immediately and talked to another debt collector for the company and explained that I DID NOT want anymore calls coming to the school. He told me that he had every right to call me at work and that he would continue to do so. The debt he was calling about was to XXXX dated XX/XX/XXXX. 

This has been extremely embarrassing and humiliating. I have never had this happen before and it caused me to look very unprofessional. Not only did it interrupt learning of my students, but I had to leave class to handle the situation. 

The number for the company is XXXX. 

Thank you.
Product: Credit card

Bank of America abruptly close my account while it was current and up-to-date. I Contacted them informing that my household income has been decreased, and I am going to a long-term financial hardship and asked if they offered any hardship assistance Repayment assistance, long-term. they inform me that I wouldve had to call them while the account Was still open in order for them to assist. They did not informed me they were going to abruptly close my account or I would have called them. My account Was in great standings when they made the decision to close the account without any type of notification That they were going to do this. I called them. I received notification And they were not Willing to help
Product: Debt collection

RE-OPEN PREVIOUS CASES added to CFPB member account. 

The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. 

As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. 

References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.
Product: Payday loan, title loan, personal loan, or advance loan

I have been contacted by this company about an outstanding amoutn owed. This account was used to build credit and the terms were completed. I have now received a ding on my report saying I own them monies XX/XX/year> I contacted the company but to no avail