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

This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . 

No consent is identity theft. I will also be filing a complaint with my states attorney general, Kansas 's state attorney general, the XXXX XXXX XXXX and the Federal Trade Commission. 

15 USC 6802 - Obligations with respect to disclosures of personal information ( b ) Opt Out : ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

This company violated my rights by not clearly and conspicuously providing me with the proper notices and information that would have allowed me to opt-out of having my non-public personal information shared with non-affiliated third parties such as XXXX, XXXX and XXXX. There has been a breach of duty, thus causing injury, embarrassment, shame and loss of both personal and business opportunities.
Product: Debt collection

I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.
Product: Credit reporting or other personal consumer reports

A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make p
ayments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX  Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.
Product: Checking or savings account

Payroll check was deposited on XX/XX/XXXX, the bank has continued to charge my account overdraft fees daily while holding my payroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have been called on my cell phone daily fromby an organization identifying themselves as CBE collections. They have asked for my husband XXXX and said they are collecting a debt and want extensive identifying information regarding him. I have asked each time for information on the alleged debt : Amount, Merchant. etc. Each time I have asked for more information the caller hangs up on me. The calls have originated from the following three numbers : XXXX, XXXX, XXXX. 
My husband and I have no outstanding debt. No collection notices. Nothing late and unpaid. 
Please do not share my mailing address with this organization. I was told I could submit this complaint without my mailing address. I am concerned this is an attempt to harass us or steal identity and I do not want to facilitate either.
Product: Student loan

I have two loans through Discover student loans. 1 in repayment, 1 still deferred. Despite being on autopay of XXXX/mo with a due amount of XXXX.mo plus an additional XXXX/mo being paid by my employer, and payment history showing the details listed below. There is no progress on the first balance. The latest statement shows an original combined balance of XXXX with a current balance of XXXX. Yet also somehow another XXXX grand in " deferred interest. '' I have made a total of XXXX in payments. Yet the first loan balance is only down by XXXX dollars. I believe there are fraudulent banking practices going on which essentially take the payments and apply them towards an ever-increasing interest ( clearly NOT 6 % ) and only minimally crediting the actual principle. This was not the case with past student loans. I think you have a duty to protect students from this usury. I will forever be an advocate of steering clear of these fraudulent loans. 
If there is ANYTHING you can do to get the proper credit applied to my loans I would appreciate it. 


Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$400.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$100.00} XXXX XXXX Payment XXXX Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$140.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$26.00} Payment XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am making this complaint on behalf of myself. CAPITAL ONE bank is furnishing my non public personal information without my permission after failing to comply with my opt out request under the Gramm Leach bliley act. I sent CAPITAL ONE an opt out notice ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX ) that arrived at their offices on XX/XX/2024 ( see copy of letter/notice and proof of delivery attached below ). I opted out of the sharing of my non public personal information from being shared on 2 SEPARATE ACCOUNTS ( see attached letter ) from any third party including consumer reporting agencies. ) My name, account number and transaction history is not public therefore it must be removed. Capital one did not comply and is now illegally furnishing my information. The law says you have to comply with my opt out request within a reasonable time frame, I've given you over 30 days. Please update my account immediately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was forced to close my saving account with USbank and then I was denied to receive {$490.00} interest that was posted in my account. To find out why, on XX/XX/XXXX, I went to my USbank branch and asked the Manager why I did not receive the interest. The Manager asked me why I closed the account. I explained him that I could not transfer money on line to an external bank so on XX/XX/XXXX, I came to the bank for help. His staff reviewed my account and told me it is probably type of account that doesn't let me to transfer large amount of money. This statement was contrary to what I was told at the time of opening the account. The manager asked me again why I did not get offer for a casher check or even cash. I said they did not offer me that options so I was forced to close my account. Then he mentioned that this branch was a XXXX XXXX  and since XXXX of XXXX, became a USbank and that some staff are not up to the new rules and regulations. Then I asked for a dispute. He replied he will not open a dispute because the bank has not done anything wrong. I really did not expect these statements or actions from the USbank, the 5th biggest bank in the U.S.
Product: Debt collection

This account was back fromXX/XX/XXXX. The original creditor is world acceptance cooperation now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XX/XX/XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
Product: Debt collection

Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.
Product: Student loan

I have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why you put this negative information on my account? I didnt apply for any of these accounts. I think someone used my personal information.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX : XXXX XXXX
Product: Debt collection

On XX/XX/2024 : I sent a letter to Midland Credit Mangement located at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA In this letter I have apparently 2 Debts that I owe to Midland Credit Mangement : 1. XXXX XXXX  {$270.00} 2. XXXX  XXXX Bank {$680.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( Midland Credit Mangement ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. Midland Credit Management has failed to provide me with the required documentation requested and has only sent me a billing statement to both of the alleged debts which is in direct violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX  XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was XXXX. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX account name : XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : its also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Debt collection

I have been sending out my disputes to Equifax to put my correct and updated Information on my report. I have informed them that somethings were wrong and that needed to be removed Immediately. Im also trying to get a car and house and these negative and inaccurate information being reported are really stopping me from doing that. I never gave amyone permission to report thess negative and inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a dispute regarding information that was noticed on my credit report. 

My name is wrong in their system. I sent my driver License, my ssn, my current and previous address, along with the initial dispute from my credit report. 

Today XX/XX/2019. I received a letter from Equifax stating that they needed more information. The information needed was what I already sent. This proves that Equifax is violating my rights to having correct information on my credit report. Equifax has failed to investigate my report regarding incorrect information listed on my report. I want all information sent to Equifax on XX/XX/2019 to be deleted due to Equifax failing to conduct a proper investigation. 

I want all of my personal information updated accordingly!
Product: Mortgage

Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.
Product: Credit card

LVNV Funding is the collector tbe original debt is from XXXX XXXXXXXX XXXX XXXXXXXX, states the debt is in the amount of {$620.00}, I have Zero knowledge of this debt and never signed a contract with LVNV funding or XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in regards to complaints XXXX and XXXX. Nelnet responded by saying to file an identity theft report and is not resolving the issue of someone else student loan information on my credit report. Nelnet even responded that I am not in their system and that the information has someones else social security attached and not mine. so how can it be on my report? they need to remove it immediately as I do not have any student loans and the information is someone else 's social security number. this is a mistake on their end and I do not need to fill out a fraud form seeing how they are the ones who committed fraud by knowingly having a loan on my report with someone else 's social security number. they are not resolving the issues and ignoring my calls. the way they resolve the issue is not actually resolving any issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian always refuses to thaw my credit even when all the correct info is entered and their secure pin is provided. They always add the extra burden of mailing in sensitive documents instead of fixing their computer system to accept thaw requests. 


I tried today to thaw my report with the pin and all the correct info, that had not changed in years, and it still refused to thaw. 

This system should work better instead of further burdening consumers like myself.
Product: Payday loan, title loan, or personal loan

A person by the name of " XXXX XXXX '', who represented himself as an employee of Captial One Bank, offered me a loan. Upon accepting the loan, I learned that through " their banks verification '', this " XXXX XXXX '' person took approx. {$2100.00} from my XXXX XXXX account.