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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX KS Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

Notice to all, I know that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives therefor for the surnames/given XXXX, XXXX, and I have appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high creation only, whoever that may be, and I dispose the following facts, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit Credit Acceptance is in violation of 15 usc 1605. ( a ) ( c ). this transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Credit Acceptance did not include my insurance in my finance charge. 

Credit Acceptance has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). XXXX XXXX XXXX cant extend credit to me, nor validate creditor for me, as I'm the natural and original creditor. 

On XX/XX/2016, I went into a finance agreement with my identifying information. During that time I was charged a finance charge, which did not include my insurance, and a {$4000.00} cash payment was taken and not added to my total charge. 

I've tried to settle this with Credit Acceptance for three years and they REFUSE to Abide by the law and my CEASE and Desist letter. They will not accept my affidavit of truth. Instead they use deciftul tactics and send me a bill stating that I requested a bill, which is false. They're committing crimes and using false tactics to ruin my reputation. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above and validating debt as if they're in fact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recklessly failed to protect the credit information entrusted to them, including but not limited to social security number, addresses, date of birth, credit card information, bank account numbers, etc. exposing me to identity theft and other frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX. I am not able to keep up with everyday things. Today I noticed that since XXXX I have been billed {$4.00} a month for credit monitoring services from equifax. My understanding that due to COVID and receiving government assistance that I should not have been billed. Equifax did not understand. This was today XXXX. Are they even aware of the XXXX government policy on credit at this time. I believe I was speaking to someone in XXXX because all they spoke about was the pandemic. No help. Tried to do the survey, it disconnected me.I believe I was billed twice between XXXX and XXXX just to make it even better.
Product: Checking or savings account

I had a disputed charge to my checking account at Navy Federal Credit Union ( NFCU ). A hotel charged me for a reservation that I did not make. I received no emails from the hotel that I even had a reservation. 

I tried to get the hotel to refund the charge, but the hotel refused. I then disputed the charge with the bank, Navy Federal Credit Union. NFCU requested any documentation that I had - confirmation emails, etc. Since I did not make the reservation, I did not have any documentation. I informed NFCU that I did not have any documentation. 

NFCU denied my claim due to lack of supplied documentation. I am not sure how to provide documents that do not exist...
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, also these XXXX accounts are outside of the statute of limitations here in Texas of XXXX  years 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 -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 XXXX 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: Credit card

On XX/XX/XXXX, I received alerts from credit monitoring companies saying that a hard inquiring hit my credit from XXXX. I also noticed in my email there was a temporary credit card for XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and told them this wasn't something I did so they canceled the temporary credit card and account and transfered me to Synchrony Bank ( SYNCB ) to do the same. Synchrony bank did the same and said this would take a little time to get taken off my credit and that I should contact the Federal Trade Commission to file my complaint.
Product: Credit card

my name is XXXX XXXX and there are several accounts open without my consent XXXX  XXXX XXXX XXXX, and serval attempt accounts made without my permission XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ALL OF THESE ARE FRAUD
Product: Debt collection

On XX/XX/XXXX I filed a dispute with the XXXX regarding a credit card that I had with Navy Federal credit Union. The account had a limit of {$1000.00} but jumped to {$5900.00} within a month time in XXXX. I have requested an explanation of how this was possible if the limit was {$1000.00}. Navy Federal has never given me an explanation on this matter. As I have recently found with the lawsuit against Navy Federal that they have a practice of overcharging their customers fees. 
I have included my statement from XXXX of XXXX where the balance was already at {$1000.00} which was the credit limit as well as my XXXX statement that shows a balance of {$5900.00}. I have also included the application showing that my credit limit was only {$1000.00}. Navy Federal did not answer my question how this was possible in the initial dispute. They stated that this debt is valid but can not explain how occurred has a balance five times what the initial limit is. This balance does not include any collection fees or attorney fees. Their reasoning for the validation is because I did not make a payment. They took this to court during XXXX  when I was unable to be present to fight this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.
Product: Student loan

Dear CFPB, Thank you for your assistance! In brief : I am requesting that MOHELA comply with federal government law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who has public loans through the department of education that are serviced by MOHELA. 

As part of my loan repayment, I am required to re-certify my loans on a given date. This is known as an IDR ( Income-Driven-Repayment recertification ) date. The Department of Education ( DOE ) lists my IDR recertification ( AKA IDR anniversary data ) date as XXXX i've attached proof from the DOE 's XXXX website account. The DOE recently made a legal pronouncement, as seen on their website, that because this recertification date falls before XX/XX/XXXX, it should be pushed out by one year. Specifically, my IDR anniversary date is in XX/XX/XXXX. As per the DOE 's pronouncement, this recertification date should be pushed back to XX/XX/XXXX. I am emailing you because MOHELA refuses to comply with this law. 

I contacted MOHELA via phone on XX/XX/XXXX to bring this to their attention. During a 2 hour phone call where I spoke with multiple agents, they assured me that my date would be pushed back by one year to XXXX. I asked for confirmation in writing, but the agents said they would not provide confirmation. Then, my call was dropped, while I waited on hold to speak with a supervisor. So, I then sent a message to MOHELA on XX/XX/XXXX via their secure message portal formally requesting that my date be pushed out XXXX year. I received no response. 

I then contacted XXXX XXXX at MOHELA, via email. He is a complaint analyst, who spoke with me on the phone on XX/XX/XXXX. He assured me that my issue would be rectified immediately, and he would contact me within 24 hours to rectify the issue. He also indicated on the phone call that the issue appeared very clear cut, and therefore was confused why it had taken so long to rectify. 

Despite his assurance I would be contacted within 24 hours, I was not. I emailed him after 48 hours, and have still not heard back. 

I attached proof of my emails, proof of my secure messages. I have attached proof of my IDR recertification date from the DOE website. 

In brief : I am requesting that MOHELA comply with the federal government DOE pronouncement to push by my IDR recertification date by one year to XXXX. This all that I am requesting, that they comply with the law. 

I am humbly requesting your assistance. Thank you so much. Sincerely, XXXX XXXX
Product: Debt collection

Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX  and XXXX  has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX through flagstar bank was a va loan that was transferred from XXXX XXXX XXXX XXXXXXXX that was established XX/XX/XXXX and with XXXX XXXXXXXX until sent to Flagstar XX/XX/XXXX until XX/XX/XXXX. However, they are reporting 13 late payments from dates XXXX until XXXX when Flagstar did not have the loan. XXXX XXXXXXXX XXXX is also reporting 12late payments all but XXXX date that Flagstar is reporting. XXXX XXXX XXXX ( XXXX dob XX/XX/XXXX ) filed an Affidavit through XXXX County Domestic Relations Court that he refinanced XXXX XXXX loan prior to XX/XX/XXXX and when I was served I provided a copy to the VA department via email with receipts and to XXXX XXXX XXXX through multiple routes. I thought XXXX would help me but instead they sold the loan to Flagstar Bank and sent me a goodbye letter and to look for the welcome letter. I even asked Flagstar to mail payoff balances, loan summaries, account details, etc to the XXXX County Court House daily and sometimes multiple times a day as they refused to accept Flagstar as the mortgage. Judicial Notice is taken in case XXXX regarding property address XXXX XXXX XXXX XXXX Ohio that the quick claim deed was signed by me XX/XX/XXXX and filed by recorder/auditor XX/XX/XXXX and also I provided in person a copy but was told I would go to jail for saying I had filed quick claim deed by XXXX XXXX XXXX I have purchased transcripts in case from the court for this matter to prove the situation. After XX/XX/XXXX it was established that I had filed XXXX deed I was told the case of contempt asking to jail me was purged but I do have all transcripts but the transcript for XX/XX/XXXX in front of Judge XXXX XXXX as the court reporter XXXX XXXX is typing up and has been paid XXXX to date through XXXX with XXXX XXXX. I am seeking help with my credit to remove the late 13 payments from flagstar and stop them from doing this to others as if they got me they got many, as well as the fraud on the divorce XXXX attempting and actually succeeding in fraud documented through court transcripts, credit reports, separation agreements that merged with divorce decree, even the mutual agreement that was unethically obtained by XXXX XXXX and XXXX XXXX stating it was only for XXXX to refi and the document would not be used in any other way .... but then was sent to court as mutual agreement and the court acknowledges that they never serviced me. The mail all leads to XXXX XXXX XXXX XXXX, OH XXXX owned by XXXX XXXX. My juror summons from XXXX county court also was tracked with case numbers through the usps inspector department as supposedly it was a federal crime to forward mail of an ex spouse to a XXXX XXXX XXXX XXXX sheriff says its civil not criminal. Court laughs at me. Please help. XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX property address. XXXX originated as an interest rate reduction loan through the va and changed from XXXX to XXXX XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to CLARITY and there is no third party involved. CLARITY has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE CLARITY VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Money transfer, virtual currency, or money service

I have tried to withdraw money from my XXXX  XXXX  account via app and by phone and nothing works. They have not respendoded and i can not get a hold of anyone. It always says that my request can not be processed at this time, it has been XXXX  months
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XXXX XXXX XXXXXX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXXXXXX XXXX XXXX  ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX ) NAVY FEDERAL CREDIT UNION ( FINANCE ) - INQUIRY DATE ( XX/XX/XXXX )
Product: Debt collection

LVNV Funding LLC has continually despite being contacted attempted to collect a debt despite the debt being disputed with original creditor due to being a victim of Identity Theft. 2 separate Police Reports were filed with local PD. FTA complaint was also filed. SSA was notified. 2 separate affidavits were also filed in District Court. Previous creditor was given copies of documents by mail, and email. Court also has copies of documents. Previous creditors are aware of disputes and also of police reports, affidavits, and all documents proving my disputes valid and my statements truthful. Creditors are also aware of my being represented by counsel in 3 separate cases due to identity fraud and pending litigation against 3 different companies due to me being a victim of identity fraud. I attempted to resolve all matters with the 3 companies I mentioned several times before I sought litigation. LVNV Funding LLC has refused to provide the information I requested to confirm alleged debt. They also are refusing to acknowledge my rights as a victim of Identity Theft. Previous creditor has also refused to acknowledge my requests nor have they properly provided documentation requested. All communication with previous creditor is on file with CFPB and has been filed in District Court to include local Police Reports and affidavits. All 3 Credit Bureaus have been notified to block ANY and ALL information of alleged debt from reporting to my credit file and any and all credit reporting agencies and consumer agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XX/XX/XXXX 
Account TypeCollection Balance {$320.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$120.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$120.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$3100.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1800.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX   XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$11000.00} Date Opened09/15/2014 Dispute Namesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX Acct # XXXX multiple times I filed complaints with CFPB for the account with Transunion, and XXXX. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account still has inconsistent information with the bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit card

American express is charging me {$29.00} a month in late fees. I asked if they were going to comply with the CFPB rule change to {$8.00} and they said they were not. They did so in writing in chat.