23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX select portfolio servicing put my home on auction even though i have been trying to pay them for a year! they said i needed a modification, which i did not, and they stopped accepting payments! then they said they never recieved my paperwork even though i had tracking numbers etc. now my home has been sold even though i filed ch XXXX in a timely fashion. Also they said i owed at least 3 times what the missed payments were making it impossible for me to redeem my property.NOW they have not recieved my cash for keys agreement, despite my having a tracking number proving otherwise, ,now they say the offer is expired.They stole my home and wont even honor their agreement! when i called today to ask about it, the man said '' let me see, thats step # 7 ''., he then told me he was reading of a cheat sheet and that all his answers were pre scripted!!!! when ever i requested records from them i never recieved them, except for my signature on a loan doc which i did not sign.it was dated XX/XX/XXXX, i know for a fact i did not sign any docs that day because that is the EXACT day my grandson died and I know exactly what I was doing that day and it wasnt signing docs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had  no    XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
Product: Credit card or prepaid card

opened a new Lowes home improvement store card with Lowes.  purchased a stove and found out employee range up wrong stove on same day XX/XX/XXXX. lowes changed policy so can not make a refund on a new credit card until receive the card. can not even make a payment on the card as lowes employees tried to do to solve in the same store in XXXX MA. sent to corporate HQ after posting on XXXX and they say nothing can be done on refunds or payments. can only make purchases on this temporary account. so wrong stove rang up and still can not cancel order even though the store employees want to because of new policy set by either Synchrony Bank or the new Lowes CEO. would like the sale credited as should be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that you XXXX XXXX XXXX are reporting accounts to my XXXX XXXX that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXX XXXX have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Update to previous complaint : Request for VALIDATION of debt NOT a VERIFICATION of debt.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX Date opened XX/XX/22 Amount {$1000.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/22 Amount {$1800.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/22 Amount {$870.00} Furnisher of information : XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2019 CARE CREDIT customer service rep gave my care credit account number to the office manager ( XXXX ) at XXXX XXXX XXXX XXXX when i was unable to get that number a day before she called to obtain it. She is also the only one that can change the interest rate on this account. I beleive that i was not given an interest rate according to my credit score as it was at the time nearly 800. which should get a much lower interest rate then 16.90 %. I also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either. I believe that sychrony bank, care cr4edit and XXXX. XXXX XXXX dds are ingaging in preditgory lending, unethical and deseptive business practics.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX account # XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because XXXX clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO XXXX. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding XXXX finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
Product: Money transfer, virtual currency, or money service

There was an unauthorized transaction of money being sent to a XXXX XXXX in the amount of XXXX. I did not authorize the transaction and did not allow anyone to use my device to make the transaction either. I tried resolving it with Cash app twice but both were denied and when asked to be sent the supporting documents they used to come to that conclusion, my request went unanswered.
Product: Vehicle loan or lease

Car was leased in XXXX from XXXX XXXX. Car was repossessed in year XXXX and Gap insurance paid the difference to Santander due to the XXXX XXXX ongoing trial at the time. I was told the negative repossession report would be removed off my credit.
Product: Debt collection

On or about XX/XX/2022 and other varies dates I have reached out to NAVY FEDERAL CREDIT UNION, Requesting copies of the documents that they are using to validate the following accounts navy federal account no : XXXX reporting on XXXX XXXX and XXXX and XXXX reporting on XXXX .... I have explained to them several times that the accounts were used Fraudulently, and that I was incarcerated when all these transactions took place, I have furnished them with documents from the UNITED STATES DEPARTMENT OF JUSTICE that proves I was incarcerated at the time these transactions took place. I also furnished them with a XXXX XXXX police report and an identity thief report. I reached out to the Credit Bureaus XXXX, and XXXX, and they explained to me that Navy federal furnished them with documents validating these accounts, and that they could not provide me with them that I would have to request them from the creditor Navy federal credit union. I HAVE REACHED OUT SEVERAL TIME REQUESTING THESE DOCUMENTS. I have not received any documents validating this account. According to the law Pursuant to federal law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.1 ) Debt collector communication disclosure 12CFR S 100.634 ( C ) ( 1 ) ; 2 ) Debt related information 12 CFS 1006.34 ( 2 ) ( i ) - ( v ) 34 ( c ) ( 2 ) ( ix ) ; 3 ) Itemization related information 12 CFR S1006.34 ( 2 ) 9vi ) ( viii ) ; 4 ) Consumer response information ( 12CFRS 1006.34 ( C ) ( 4 ).

5 ) A copy of the originial contract with my signature for this debt.

I am simply requesting that NAVY FEDERAL abide by the law and furnish me with the documents that they used to validate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I work hard at clearing up my credit and making sure that my bills are paid on time to help boost my ratings however the three credit agencies makes it impossible for me. They are constantly decreasing my credit scores in when they should be increasing it. I recently paid off a car loan 3 months earlier than contract date. I just knew my score would increase instead they decrease it by XXXX. My XXXX XXXX  account closed due to the company changes not anything to do with me. Account was current and the agencies decrease my account XXXXWhen i contacted both company 's they stated to me that the agencies are responsible for the decrease in my scores. I contacted the agencies and have not received any feedback and it's been XXXX already. 

Please help me
Product: Vehicle loan or lease

XXXX XXXX forced me to pay an additional amount for State Sales Tax plus non payment fees and fines. 

The State of Illinois incorrectly sent a payment demand to XXXX XXXX for sales tax. The sales tax had been paid at lease signing by the Dealer. ( see attached copy of cancelled checks ) I had to pay {$1500.00} to XXXX XXXX because XXXX XXXX paid the State of Illinois without checking the validity of the demand. 

I have contacted by phone and mail every number and po box provided by the company. I finally got a response which stated that I will get my money returned if and when the State of Illinois makes a refund ( see attach response ) Essentially I am being forced to pay the sales tax twice plus fines because of their lack of due diligence.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts linked to my profile. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX Balance Owed : {$1600.00} 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
Product: Checking or savings account

I have emailed this company numerous times and asked for them to stop taking unauthorized payments from my account. I do not do business with this company and I did not authorize these transactions. They responded to my email and said I dont have an account XXXX them but yet they are still taking money out of my account each month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 I applied for a credit card at XXXX XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im foreign, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I did n't receive any answer from experian. So, I complained about this situation in XXXX and I did n't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I do n't have any bad credit report in my country in any place so I need help to solve that as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX BANK XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX & MO XXXX XXXX XXXX {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card

My hearing aid provider uses financing through " Care Credit '' XXXX, which seems to be a division of XXXX XXXX. I applied for the credit on-line and was approved. As per the documentation in the Connect Hearing office, I was to receive no-interest credit for 24 months. 
I received my first statement which shows correctly the purchase amount of {$4900.00}. My credit limit was {$5500.00}. On the statement was shown " Total Minimum Payment Due '' of {$160.00}. The statement does include a Minimum Payment Warning explaining that payment of the minimum payment will incur interest charges. The statement also shows a hypothetical payment of {$220.00}, showing that it too will incur interest charges. 
Nowhere on the Statement does it show the amount to pay to avoid interest charges, as per the promotion offered by the company. My call to the company was frustrating, with the agent ( he identified himself as XXXX with identity number XXXX ) explaining that I would have to calculate the correct payment amount myself, and advising me to divide the payment owed by XXXX. I did this and he advised me to round the amount up to {$200.00}. Notice that this is less than the hypothetical amount which shows total interest charges of over {$3000.00} ( which they misleadingly write yields a savings of over {$15000.00}, comparing to the minimum payment ). Nowhere on the statement is there anything that indicates that I will not incur interest by paying the calculated amount of $ 208 monthly, or any reference to the promotion. 
I believe this to be intentionally misleading, with the intent to have customers pay amounts that will incur interest charges. They do not show the correct amount to pay for the promotional agreement. In fact, the only reference to that is on the mail-in tear-off that explains, " If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the expiration date. '' But neither that amount nor the expiration date appears. 
This company is committing financial fraud. At the very least they are providing misleading information. I do not understand how this conforms to requirements for full and clear disclosure of financial terms. I believe that the company should be compelled to change the information on their statement.
Product: Credit reporting or other personal consumer reports

I filed a complaint that the company was reporting incorrect information regarding my addresses both current and past. The company stated they have corrected this information. However when I go to the company 's website there is not any information displaying at all. When attempting to request the credit report pulled from this company through different means, the response is that you must call them via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX