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

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy. 

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} XXXX  XXXX XXXX {$2400.00}
Product: Student loan

Once again I am requesting your help in dealing with Navient. My original complaint was made in XX/XX/XXXX. ( XXXX ) It was not resolved and I am hoping that my concerns were noted in the CFPB Navient complaint on XX/XX/XXXX. I have paid XXXX/Navient over {$95000.00} ( almost 3x loan amt. ) since XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$30000.00} out of my Retirement account. Although I was told that would pay off my account Navient said that I still owe {$37.00}. When will this end? 

XXXX was unable to locate payment records prior to XX/XX/XXXX when I requested all my records before they merged with Navient. I was charged numerous late fees ( avg. $ 12- {$19.00} ) placed in forebearance when I attended school and laid off, denied XXXX Forgiveness although I XXXX for 11 1/2 years. I was a XXXX for over 14 years working for the XXXX. I could never figure out what they were allocating my payments to : late fees, interest, or principle. I never defaulted. No matter how much I paid, I could never get this eternal loan paid. I know I fell between the cracks, but now that I 'm XXXX years old, I hope you ( CFPB ) can help an old lady out by making things right. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. XXXX XXXXXXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations
Product: Checking or savings account

I deposited XXXX in cash to my bank account on the ATM at XXXX XXXX XXXX XXXX, XXXX Rhode Island. The machine processed the money as always but after getting my money inside the machine just kept the door where it received my money open gave me a receipt without any amount. I complained to the bank representative, which came and saw the machine open and gave a 1800 number to call. For the last two days I spoke with two different reps and no solution is given. My account came overdrawn as result of this situation and I can not pay my bills. 
Chase Claim Reference # XXXX
Product: Debt collection

NCC sent me a letter saying I owed a debt for a doctor bill for XXXX on XXXX.I called and tried to explain that I had no knowledge of this debt and that there are no contractual arrangements that I signed agree to pay this debt.They didnt want to hear that.I have not signed anything agreeing that I will pay this debt or that it belongs to me.Reference number XXXX
Product: Payday loan, title loan, or personal loan

I applied for and received a pat day loan from XXXX, of which I had paid off and extended the line of credit ( believe it was {$800.00} ) of which I paid a majority of. I had to stop paying them as I was embattled in alimony payments with an ex-wife. Since the alimony payments have stopped, XXXX sold the debt to direct recovery services who has called my parents, called my brother in law, and also call a friend I've known for 35 years. They disclosed amounts owed to these people in their quest to receive payment, which is illegal. Further, I contacted the company and requested that they communicate in writing via my email account, which they sent me an email and I returned and accepted their terms of communication. That was around XX/XX/2018. In that time, they have contacted family members of mine disclosing the amounts allegedly owed, despite my request for online communication, again which is a violation of FTC laws. 
Clearly this company ( or these companies ) have no regard for personal information nor do they uphold their standards to what is allowed by Federal Law. So I am filing this complaint so others know what to expect if they ever deal with these companies.
Product: Credit card

On XX/XX/XXXX I purchased a 1 oz gold bar for {$1900.00} on XXXX with my Apple credit card using Apple Pay. I normally wouldnt make such a large purchase on XXXX but I felt comfortable because it came with a money back guarantee, and the price wasnt low so it didnt seem like a scam. The same day I made the purchase my account on XXXX was suspended. I called to inquire as to why that happened and was told that they could not tell me why but that it was irreversible. I was confused when I still received the gold, I first attempted to call the merchant, XXXX XXXX XXXX XXXX XXXXXXXX to return the item. They told me to contact XXXX and that it was not their problem. I contacted XXXX to return the item only for them to say I could not return the item because my was suspended and it could not be reversed. They even suggested I have a friend or family member make an account to return the item. I contacted my credit card company, Goldman Sachs and file a dispute on XX/XX/XXXX. I sent all the emails between myself and XXXX and also a picture of the receipt showing a money back guarantee and emails showing my account was suspended the same day. On XX/XX/XXXX Goldman Sachs responded that they were siding with the merchant, stating that I had agreed to the terms and conditions at the time of purchase, although neither XXXX nor Goldman Sachs could tell me what terms and conditions I violated. I dont understand how a merchant can sell me something with a money back guarantee only to suspend my account hours later, and still have the item shipped to me. It seems to me like XXXX colluded with the merchant, XXXX XXXX XXXX XXXX XXXXXXXX to sell fake gold. Goldman Sachs continually sides with merchants in disputes with little or no effort to resolve any issue in the costumers favor. The last dispute I had with Goldman Sachs I had to take to the Georgia consumer protection agency for help resolving and the merchant sent me a check after Goldman Sachs sided with the merchant twice.
Product: Debt collection

I had an eviction in 2019 because I refused to pay one month 's rent because the management of the rebate where I lived did not take their part in fixing things that were broken in the house that I had to fix on my own and When I went to court the final decision was that I would pay the amount I owed for one month 's rent plus the accrued interest and this collection company that I hired to manage that rent is charging me another XXXX that I have nothing more to pay them, I have a letter that is the decision and the final adjustment of what I owe that the judge reviewed the case and that is what I am going to pay. There are no additional charges for damage because I delivered everything clean, returned the keys on time and never They returned the deposit. If they don't remove the debt they put up to benefit from taking advantage of the fraud, I'm going to seek legal help. Here I attach the form of the adjustments that were made to what I owe from the beginning, if they remove those XXXX unfairly repeated that I see on my credit report with XXXX I can not start with a payment plan, otherwise I will take the case to court for the alteration they are making and the injustice they are committing
Product: Checking or savings account

Suntrust closed my account with XXXX XXXX still in it, since XX/XX/XXXX. I was never told why they were holding XXXX XXXX dollars of my funds but was told I had nothing to worry about I would get it back, then they sent me a notice like I closed the account myself. They gave me a case manager and told me not to come to the local bank again. Its now XX/XX/XXXX and still nothing while I run completely out.
Product: Checking or savings account

I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.
Product: Vehicle loan or lease

On today XXXX, XX/XX/2022, Ally Auto would not let me speak with a supervisor about my account to get it fixed after calling 3 times. 

No actions have been taken by the company. There are over {$800.00} showing after my account is to be paid off this XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Date - XX/XX/23 company - onemain financial issue : website states " wont affect credit score '' if you check your rates. They ended up doing a hard hit on my credit report and wont remove it. 

website - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inquiries and accounts that I didnt give permission or authorization to open
Product: Credit reporting or other personal consumer reports

[ Capital One Financial Corporation ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, IN REGARDS TO CAPITAL ONE Account XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. 

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing.

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights. 

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

I just spoke to a rep with XXXX XXXX and even a manager XXXX on XXXX XXXX XXXX ( they said they got my payments and in adm forebears til XXXX ) ). I called to get status of My loans to make sure they were under cares act until XXXX to get verbal confirmation they were reporting it correctly As well as to get date so I would be prepared. I was told my loans were under cares act Another reason I called was because I spoke to XXXX XXXX Ombudsman with dept of Ed ( earlier XXXX ) and she said XXXX and XXXX were reporting I had not paid anything XXXX. Plus I has received a letter after I made 4 payments through XXXX from XXXX XXXX saying that they only received XXXX payment! This was before they sent me a detailed list with payments i made, a late XX/XX/XXXX for interest and I paid an extra payment they were collecting and I didnt have to pay! I have never experienced a company like this!!!! It seems like they are trying to take from people anyway! Mess up credit and loan status they manipulate to their advantage.both XXXX and XXXX XXXX ..they change status to deferred or forebearance prior to coronavirus vs repayment in order to run them out!!!! this letter says I agreed to resume payments in XXXX but I didnt I wasnt working during the summer! Seem like bullies they both sent conflicting letters throughout my time! Its bad enough XX/XX/XXXXcame in picture XXXX because XXXX XXXX gave the loans I disputed several times and they seem to mix up loan information/conversation between the three companies and in phone the seem to say wrong thing then correct it!! I realize all of this is being recorded they have!! If it wasnt for the illegal entries in my apt , Forged docs and stolen signed green return card ( deleted out of mailing system found receipt and I saw green certified card signed by XXXX something day before made police report I organized them ) XXXX pension with XXXX may be stolen and a weird XX/XX/XXXX Ascension ( XXXX XXXX company- I didnt know who they were especially based on weird letter.nothing attached.. I was updated in payments on loans and they send a letter ... I thought it was a bogus debt collectors ) regardless something is so off with all three companies1.Big picture if i didnt see all this ... I wouldnt believe they were trying to steal from government and consumer!!! XXXX XXXX keeps changing my phone number and both companies said they dont do hyphens very odd but I think they are changing my name because they wont pull names together ... there is a dispute regarding a fake XXXX promissory note in name XXXX and my signature was crooked on bottom!!! Copies of certified disappeared- with hacking this can be updated to paid because I saw documents credit reporting and much conflicting info in various sources?? Looked like a setup ... .technology is more advanced than people know to- easy to steal our money ....
Product: Checking or savings account

I have been a customer of Sofi Bank for 2 years and have always been able to deposit checks without any issues. My daily deposit limit was {$25000.00}. Recently, I received a check from my home warranty insurance company to cover the cost of fixing my air conditioner, which is currently out of service. However, when I attempted to deposit the check, I found that my limit had been reduced without any prior notice. This has never happened to me before, and now I am unable to get my AC repaired because the bank keeps lowering my deposit limit. 

When I contacted Sofi Bank to resolve this issue, they informed me that they reviewed my account and adjusted the limit based on the amount of money I currently have in my account. This is concerning, as my paychecks are regularly deposited into this account, and I also use it to pay my bills. I feel that this decision is discriminatory, and I believe it may be based on my income level and race.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every XXXX months. That is not fair. I want the information correct and my name and address
Product: Credit card

A letter was sent to me about 2 weeks ago from Chase credit card stating that someone one has filed a credit card ( CHASE FREEDOM Visa Signature ) under my name and using my Social Security Number and they wanted me to call them to verify it was me who filed the application. So I called them up and said that it wasn't me who filed the application thus it may be ID theft. So Chase took the appropriate actions toward this incident and also sent me another letter stating on how to prevent ID theft in the future. Some the actions that I took include placing a credit freeze and placing a credit alert in all the major 3 credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged without my permission the following dates and charges XX/XX/XXXX {$4.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00}.

I called Experian and they lied to me. I did not order this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of validation on several occasions from the collections company NCA ( National Credit Adjusters ) and also from   XXXX   and  XXXX  once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and  XXXX .  XXXX  and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with  XXXX  cred it bureaus three     separate times and they have yet to send me any proof of the investigation with this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told XXXX, XXXX and Equifax that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as verified XXXX 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 have 2 debt collection agencies that state I owe medical bills from dates that I no longer even lived in the state! I have attempted over and over again to dispute them and explain that it was not me but they refuse to believe me not to mention the privacy laws so Im quite upset with trying to resolve this with them because of them my credit score has been negatively impacted hugely!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XX/XX/96, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX  ) in the amount of {XXXX}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
Product: Mortgage

On XX/XX/19 I mailed a dispute to OCWEN Loan Servicing LLC XXXX. XXXX  XXXX XXXX, Tx XXXX it was " Return To Sender Attempted Not Know Unable to Forward '' See attached envelope and proof of mailing USPS receipt dated XX/XX/19 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record on my account which  XXXX , Transunion and  XXXX  all sent me a letter stating they received information from a  3rd party stating that the 3rd party verified it I contacted the 3rd party which  is  XXXX   XXXX  and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the TN F ED BK  verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly does not investigate my disputes or review documentation submitted. They are in constant violation of all FCRA. They have manually reaged 4 accounts on my credit report and also manually changed the status of an account discharged in Bankruptcy to a CHARGE OFF and are listing derogatory payment information. This is my last attempt to resolve. I will be seeking counsel for damages as I am entitled to a fair and accurate credit report. Their false reporting has cost me much needed credit. 

The issues are as follows : XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax deleted dates still reporting negatively XXXX XXXX XXXX # XXXX - Reaged again by Equifax. Account is past 7 year statute XXXX Bank # XXXX was manually changed by Equifax to a CHARGEOFF with derogatory payment history reporting. All Dates of Activity are wrong. 

XXXX XXXX XXXX XXXX # XXXX - My monthly payment was changed from {$560.00} to {$1500.00}
Product: Credit card or prepaid card

On XX/XX/2022 I received text message from the XXXX XXXX XXXX that wanted a {$45.00} dollar donation. In my attempt to block this in the future, the application thanked me for my " donation '' to XXXX XXXX transaction posted on XX/XX/2022 for {$45.00} I filed an online request with Regions Bank located in XXXX Alabama , stating this was a fraudulent transaction as I did not authorize. 

Today I received a letter from Regions XXXX XXXX XXXX XXXX XXXX Claim ID : XXXX, stating they were not going to credit my account for this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 independent complaints filed via this site. 

Vehicle lease from XXXX XXXX XXXX was reporters past due in error by XXXX for months in 2020. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later XXXX offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returnedXX/XX/XXXX XXXX  has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX XXXX at XXXX with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> did a credit check on my credit leaving my credit report with hard inquiry.