23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX. My Social is XXXX. My Account number with this company is XXXX. My mailing address is XXXX XXXX XXXX, XXXX, MD XXXX.I am reporting this company because on several occasions I have asked Woodward Capital LLC to provide with the credit bureaus my information on my car loan. I have made my on time payments and even some payments made ahead of time. I purchased the vehicle XX/XX/XXXX. I made my first month payment on XX/XX/XXXX for XXXX XXXX I then made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and half of XX/XX/XXXX. Next, I made an additional payment on XXXX XXXX to cover months XX/XX/XXXX - XX/XX/XXXX. I have called to my creditor twice regarding this issue and I was informed that they will report in a couple of months yet and still nothing has been reported. I would like an investigation to be done in regards to this company and I would either like to report to the credit bureau immediately or I would like to be let out of my contract with this car with full reimbursement due to negligence on the company behalf. I am very displeased by this company because I am worried my money is not being handle as it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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
Product: Vehicle loan or lease

I, the consumer and natural person, signed a promissory note and gave it to NAVY FEDERAL CREDIT UNION. I sent NAVY FEDERAL CREDIT UNION an assignment of rights and a negotiable instrument in tender of payment of the obligation created. NAVY FEDERAL CREDIT UNION sent a letter denial of this instrument but failed to return the instrument. NAVY FEDERAL CREDIT UNION dishonored the instrument by note releasing the payment. I sent NAVY FEDERAL CREDIT UNION a notice of rescission, which you also failed to honor. 

NAVY FEDERAL CREDIT UNION is in violation of 15 USC 1635 and 12 CFR 1026.23.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I notified NAVY FEDERAL CREDIT UNION of this violation via certified mail. 

NAVY FEDERAL CREDIT UNION is in violation of 15 USC 1692e, 12 CFR 1026.11, 15 USC 1691, 15 USC 1679g, and 15 USC 1693h.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding a medical debt that has been reported to the credit bureau by the collection company, Lockhart Morris and Montgomery. Upon further research, I have discovered that this debt, amounting to {$670.00}, is in violation of the Florida statute of limitations for medical debt. 

According to Florida law, the statute of limitations for medical debt is XXXX years, and there is no separate category for the collection of medical debts. A hospital or other medical provider has a maximum of XXXX years to file a lawsuit for unpaid medical bills, starting from the date of the unpaid invoice or bill. However, upon conducting thorough research, I found that the date of this debt can be traced back to the year 2018, which clearly exceeds the statutory limit set by the state of Florida. 

I believe it is crucial to bring this violation to your attention, as it not only affects my credit report but also raises concerns about the collection practices employed by Lockhart Morris and Montgomery. It is disconcerting to see a debt being reported and pursued beyond the legal time frame allowed by the state. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to rectify this violation. I request that the XXXX ensures the immediate removal of this debt from my credit report, as it is in violation of the Florida statute of limitations for medical debt. 

I have attached all relevant documentation, including the letter from Lockhart Morris and Montgomery, as well as the research conducted on the Florida statute of limitations for medical debt. I believe these documents will provide the necessary evidence to support my claim and expedite the resolution process. 

I appreciate your attention to this matter and kindly ask for a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XXXX  ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my TransUnion Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer TransUnion must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated by consumer reporting agencies .. ACCOUNT NAME : Louisiana XXXX support / XXXX  XXXX XXXX Louisiana has been posted on my account and is preventing me from enjoying the quality of XXXX TransUnion and XXXX  XXXX has violated my rights 15 USC 1681-4 : There is a need to ensure that consumer reporting agencys exercise, their grave responsibilities with fairness impartiality in a respect for the consumer rights to privacy 15 USC 1681 section 602 a : States that I have a right to privacy 15 USC 1681 section 602 A : It also states, a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) : States that 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 conviction of crimes, which antedates, the report by more than seven years.

15 USC 1681, S-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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 

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.

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : 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 XXXXXXXX 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 Transunion 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 received multiple texts messages from different numbers starting with XXXX and each of them stated the following : Hello this is our ( first, second, final, etc ) attempt to locate XXXX XXXX XXXX If we do not hear from you or your legal represenative before the end of business, this will be marked as a direct refusal. Please call XXXX, at XXXX XXXX XXXX XXXX using file number XXXX, Thank you. 

I responded to each text asking who the company was and what it was in reference to but there was never a response given. I called the number and was hung up on before even given the opportunity to give any information. I simply stated that I kept receiving text messages telling me to call the number but I wanted to know what it was in reference to. They did not ask my phone number, name, or any information. They said- we have your number and we will delete it and then after a minute or so they hung up. I could hear talking in the background but nothing else. 
If a company is going to text these types of messages out, they should be required to respond the same, especially if they are demanding a response. No identifying information was ever given and no one ever stated they were a debt collector. When I looked the number up listed in the body of the text and it seems to be linked to Capital Link Management- which is a debt collector.
Product: Debt collection

Paid the company {$21.00} to XXXX ; however, TSI still shows that I owe them
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some information about history payment/rating, inaccurate balance, date of last activity, dispute status, inaccurate credit remarks, unaccrued balance that is incorrect. 

Also under FAIR CREDIT REPORTING ACT for these accounts 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  HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 : STATE I HAVE TO RIGHT TO PRIVICY.

15 U.S.C 1681 SECTION 604 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.
Product: Credit card or prepaid card

I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.
Product: Mortgage

I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX inaccurate collection/chargeoff, inaccurate last date active, inaccurate date of last payment throughout all 3 credit company. Information is not valid and proven to be inaccurate.
Product: Credit reporting or other personal consumer reports

Multiple fraudulent inquiries are on my report I do not recognize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX AXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about account # XXXX and # XXXX which is portfolio recovery I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting 120 days late and also collection XXXX is allowing portfolio to commit fraud and they are also by not verifying it and communicating the steps of verification
Product: Money transfer, virtual currency, or money service

PayPal authorized a refund that I did not approve. The item I sold was sent to the buyer who refused to sign for the item cause it to come back unclaimed ( return was not authorized nor was it returned properly ). The item never returned to me yet PayPal went in and stole my money. They brush me off and say go to XXXX who provides a number that isnt in service
Product: Credit reporting or other personal consumer reports

XXXX XXXX and loan depot admit that you were wrong doing business with fake doctor XXXX XXXX fake XXXX XXXX and XXXX and his information in your system all fraud and confirm my ownership by going to mycoverageinfo.com/chase and upon entering my last name XXXX, XXXX code XXXX and loan number XXXX I am the insured owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card

This started back in XXXX. My husband ordered a transmission rebuild kit from XXXX. They sent the wrong item so we did our due diligence and reached out about it. We were told that they would send the correct item. Weeks went by and we heard nothing. My husband reached out and the rep said they would refund us. Weeks went by and no refund was credited to my credit card. We reached out again and the company ghosted. 

so i filed a claim with bank of america because the merchant did not refund my money for the wrong item. The item sent is not the same in price and value to what we ordered!
Product: Mortgage

As per Complaint # XXXX submitted to your agency on XXXX ( and was closed by your agency ). " Mr. Cooper continues to manipulate my monthly payments regardless of any past intervention from your agency. My monthly payment dated XX/XX/2020was again not applied as I wanted. My regular payment and extra principal was applied fully to the principal of my mortgage. I can not afford to have my monthly payments applied in this manner. It is obvious Mr. Cooper does not find your agency to be a credible protection agency for consumers. I respectfully request that you transfer my complaints to a state or federal agency if your investigation ( s ) do not provide any fruitful results. Thankyou!
Product: Credit card or prepaid card

I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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/2023, XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXXXXXX 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 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 XX/XX/XXXX
Product: Checking or savings account

I had a hacked account due to a phishing scam I discovered occurred in XXXX. I opened a claim on XX/XX/XXXX # XXXX for all of these charges made by a merchant named XXXX XXXX XXXX  who I can not identify to contact directly. I also have a charge not included for {$560.00} from XXXX XXXX XXXX and that charge was handled separately and also denied but without a rebuttal filed despite my request and supporting documents given. I had my claim for fraudulent charges on all of those almost immediately denied. I inquired why and asked for supporting documents of theirs and they said they would mail it and email it neither of which I have received in the last three weeks. I followed up with a rebuttal on claim # XXXX and tried to do include the other charge but was denied a rebuttal for the {$560.00} charge. I ventured forward and submitted additional supporting documents. I inquired about why I had not received XXXX and was told I was not eligible because it has been more than 60 days for some charges. I asked why and they kept saying Regulations E, with no details. I looked into the matter and I believe under Regulation E that I have a legal right to provisional credit since the claim is still under investigation and it has been more than 10 business days. Every time I reach out to the dispute team via chat or phone I am dismissed with canned responses and disconnected without proper resolution. They seem to be avoiding responsibility for fraudulent charges and provisional credit which is what I am seeking due to the severe impact it is having on me and I feel like they are scamming me at this point.
Product: Checking or savings account

Chase bank claim # XXXX. XX/XX/22 {$40000.00}. XX/XX/22 {$7000.00}. Debit. Company name XXXX XXXX From XXXX XXXX XXXX XXXX. I am a victim from XXXX. i submitted my complain to FTC # XXXX. I submitted to Police report # XXXX. I submitted also to XXXX ( no report # ). I submitted to Attorney General ( no report # ).