23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : ending in # XXXX {$540.00} 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 ccount 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 or convictions of crimes which antedates the report by more than 7 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 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 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 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 A : # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. XXXX U.S.C. XXXX ( A ) ( XXXX ) 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: Mortgage

I was approved for Mortgage Modification by Nationstar Mortgage. This approval allowed me to seek a short sale or possibly pursue deed in lieu. I then found a buyer for the short sale. The short sale was eventually approved and we were moving towards an appraisal and requesting a title. That process took 10 months and literally dozens of emails, phone calls, attachments, etc. I went through XXXX realtors just to make it happen. Then I got this message from the bank : " There is a sale date on XXXX/XXXX/2015. The inspection is set for XXXX. there is no way to postpone the sale date so we will remove this file due to not having sufficient time to complete the short sale. 
The short sale transaction on property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX has been cancelled by the seller. " In other words I believe that they stalled this process long enough to where they eventually had to approve the short sale, only to schedule the foreclosure auction before they allowed it to go through. I truly do not believe they ever had any intention of allowing Loan Modification ( required by the Dodd-Frank law ) to take place. I have multiple witnesses and dozens of emails which reveal either their ineptitude or their intention to deceive me through this process. As a result my house is being foreclosed on and I am being left out in the cold for 7 years of bad finance, despite the fact that I qualify for government relief.
Product: Money transfer, virtual currency, or money service

Since the XXXX of XXXX I have been waiting for Escrow to pay me {$100.00}, they have charged me a {$20.00} fee but not paid me my funds. 

Escrow is saying that I am using a online account that they don't accept the disbursement method, however I have added my XXXX XXXX  details and now added my XXXX XXXX  details. These are not online banks, these are 2 of the biggest banks in the XXXX XXXX. 

I sent them a screen shot on the XXXX of XXXX and XXXX at support said on the XXXX XX/XX/2020 '' Hello there XXXX, This will be forwarded to our Review Team for proper handling. Kindly give us 1 business day to process and once feedback is available we will get back to you. '' And still nothing has been done, they just continue to ignore my email and contact with Support. 

The Support reference number is - [ # XXXX ] : Re : #  XXXX XXXX - XXXX sale for XXXX I hope you can help me with this issue? 

Kind Regards, XXXX
Product: Debt collection

I received a call from XXXX XXXX XXXX from Phoenix Equity. While on the phone he repeatedly claimed I owed a debt on a credit card. He would not tell me what the card was or when it was from until I pressed him. He said it was a capital XXXX card from 2004. When I stated that I could not accept a debt that old or even knew if it was legitimate he stated, " This amount ( XXXX is his claim ) is a fraudulent amount and we can prosecute and put you in jail for up to a year. '' I stated I knew my rights and he could not threaten to sue me. He stated, " Of course you do, you are a fraudulent person. '' The name he gave was XXXX XXXX and he gave me his phone number as XXXX ext XXXX.
Product: Money transfer, virtual currency, or money service

$ XXXX was wired to my company account on XXXX XXXX, 2021 internationally. M & T bank is still not releasing the funds and refuse to send $ 650K outgoing wire internationally although we have submitted all of the requested documents to M & T bank. They keep telling us to wait until their security process is completed but it has been 2 weeks already and there is no answer from M & T bank.
Product: Credit card or prepaid card

I received an hard inquiry on Equifaxthat I didnt authorize I would like them removed as soon as possible XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXs XX/XX/XXXX, XXXX XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # ( XXXX ) & XXXX XXXX XXXXXXXX Acct ( # # # # # # XXXX ) has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX ; XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I XXXX XXXX loan forgiveness and found the site : www.federal-help.org ( NSLfC ) I left my name and number as well as debt amount and they called me back with an estimate for a rate reduction plan through their consolidation company. The perfect salesman ( XXXX ) got me to give him my XXXX ID, social security, address, electronic signature, other personal information as well as my debit card in which he used to charge {$290.00} for a processing fee. I immediately felt there was a problem and called my bank to cancel my account. Then I called XXXX back to be refunded. He never followed up with confirmation. Then I called my credit card company ( XXXX ) to be sure I would not be scammed again and I was transferred to XXXX XXXX XXXX which turned out to be another scammer who got me to pay another fee of XXXX to clean up my credit. I again felt this was a scam and had to call back my bank to cancel my credit card. Since then I have froze my accounts and change my passwords and tried to do as much preventive action I could take. I called back XXXX today politely asked for confirmation of my refund and he told me he could not do it but that the fee would go towards my plan if I continued to use their company and they promised they wouldn charge me the XXXX at the end of the month but fear they will try and fail.
Product: Credit card

Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase & Co. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Credit reporting or other personal consumer reports

Equifax Breach Settlement Fund XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Check issue date XX/XX/year> Claim number : XXXX Check number : XXXX Equifax never made corrections to my credit reports. Removing all negative information.
Product: Credit reporting or other personal consumer reports

These accounts are in violation of 15 USC 1681 XXXX XXXX XXXX XXXX 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 tried to contact Gulf Coast Collection in regards to a fraudulent account reporting on my credit. I went to my local law enforcement agency and the officer who I spoke to essentially advised me to contact the furnisher for additional information in which they have not provided my intentions is to follow the steps provided by the FTC but how can I do that if a company refuses to assist in my case? I would like for you to review the attached for letters sent.
Product: Payday loan, title loan, personal loan, or advance loan

When applying for loan they do not check certain government databases to verify military status. Their interest rates exceed the XXXX rate of 36 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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

This derogatory mark on my credit report.Upon further research this account was transferred/sold and I am no longer responsible for the account.Debtors creditor did not verify this collection.According to the FCRA my rights have been violated and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have been dealing with this for months with TransUnion and I will file legal action against them. As i been stating for months this account is not mines. My credit report was merged with someone file with the same name as me and i provided proof the social were off. And my name spelling XXXX and XXXX have deleted this account, but TransUnion won't budge I will now begin to file legal action if this account is not removed in 4 days. Due to idenity theft you guys are required by law to delete in accurate information on my credit file. Yet you still post them to my credit report. I will now move on to the next steps. I have attached ftc reports and did everything I can.
Product: Mortgage

For the last year I am been trying to work with PHH and I am also workin with s law firm. I had a los of income from COVID and PHH just asks for more information and it has been redundant. There is no line of real communication with PHH. They just give us the run around and their staff is totally incompetent sand they should be out out of business.
Product: Debt collection

I was contacted by this company in regards to a medical debt. I informed the company that the debt was never sent my my health insurance. They stated they would send to my insurance. I also informed them that this was for a work related injury while in the military. Then I saw a negative report show up on my credit score from the same company that stated they would send the claim to my insurance. I contacted my insurance company and they stated they never received a claim from the creditor in their records. I then contacted the company to attempt to get them to send the claim forward and request why they did not send this to my insurance as they told me they would do. They also claimed that they did send it to my insurance even though my insurance company has no record of the claim being sent to them. They stated that another firm took over the debt and they would not help me. So, then company put a negative remark on my credit for a bill they refused to send to my insurance to get paid out for a work related injury while on military duty.
Product: Credit card or prepaid card

Made a purchase with Seller info XXXX XXXX in the amount of {$40.00} on XX/XX/2022, using Paypal services. Never received the item. Initiated the dispute requesting money back. No resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX  XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX XXXX XX/XX/XXXX {$1000.00} 12. XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}
Product: Credit card

On XX/XX/year> XXXX XXXX, I contacted the XXXX XXXX team at XXXX to request a refund for reservation XXXX, for XXXX at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  due to Governor XXXX  issuing Executive Order ( EO ) XXXX, for Hurricane Milton. XXXX XXXX refused to give me a refund or even offer different dates of stay so I submitted a dispute with Elan Financial which is the institution linked to my Fidelity Investments Credit card. Elan Financial Services denied my claim because they claim I didnt request my refund from XXXX XXXX within the 2 days stated in the reservation rules. 

I also submitted a claim with XXXX XXXX which is offered as travel insurance through XXXX. XXXX also denied my claim because they claim that XXXX XXXX wasnt affected by the hurricane. 

I have tried to resolve this issue with all three companies with no resolution. I believe Im within reason to be refunded by Elan Financial for services that were not rendered due to a natural disaster clearly confirmed by the governor of XXXX. I am respectfully requesting assistance in this matter and appreciate your time and effort. Thank you
Product: Debt collection

I am a victim of identity theft. Company took me to court without notifying me as the sent everything to wrong address and received default judgements and are attempting to garnish my pay.
Product: Vehicle loan or lease

Volks Wagen Credit repossessed my car without sending the notice to the correct address, and they claim to have called and left voice messages, but that is not true. The only Voicemail they left was that they were going to come and inspect the car before the lease expired.

After the lease expiration, they wrongfully kept taking payments for the lease via their phone system without informing us that the lease had expired and no payments could be made.

We are a decade-old customer of VW with four cars on lease with them historically and never ever missed payments.

They kept us waiting in long queues in customer service, and after several days, they said that we could buy the car with them only if we created a DD. No other payment method will be accepted, No wire transfer or Credit card payment.

Their systems are old, and they don't talk to each other, and that is why we are in this mess
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report. 

XXXX ( {$220.00} ) XXXX XXXX XXXX ( {$200.00} ) XXXX ( {$790.00} ) XXXX XXXXXXXX XXXX ( {$27000.00} ) XXXX XXXXXXXX ( {$1200.00} ) XXXX XXXX ( {$0.00} XXXX XXXX XXXX {$190000.00} )