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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2023 I deposited {$1200.00} into my checking account at Navy Federal Credit Union. They immediately transferred that money to pay against a credit card without my authorization. When I called them and told them that I had not authorized the transfer and would like my money returned they informed me their policy did not allow that. 

I spoke with two supervisors and informed both of them of 1026.12 ( d ) Special credit card provisions and that they could not transfer money from my checking account to offset a credit card. 

They informed me that their policy allowed them to and that the law I mentioned did not apply due to their policy.
Product: Vehicle loan or lease

I have a loan for a Hyundai XXXX I purchased on XX/XX/XXXX in XXXX. I moved to XXXX state and need to register my vehicle in XXXX I completed Hyundai Motor Finances title transfer online as well as had the local XXXX XXXX fax a request for the transfer on XX/XX/XXXX. The website says to allow for XXXX business days. It has now been XXXX and I am being told that it could be another XXXX business days. I am unable to register my car as required by law because of the delay. Customer service has said there is no way to contact the title department and I must just wait. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are no notices or warnings that there is a delay or any process to expedite title services when the lack of title renders the car unusable and violates state law.
Product: Checking or savings account

I had an account with them for awhile they closed of my access due to potential fraud when I sent in the information to verify my identity they permanently closed it and refused to release any funds associated with the account
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against XXXX  for sharing my personal and financial information with FirstSource Advantage , LLC, a third-party debt collector, without my consent and in violation of California state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California 's Fair Debt Buying Practices Act ( FDBPA ). The alleged debts in question are {$480.00} and {$150.00}. 

On XX/XX/year>, I sent debt validation letters via certified mail to FirstSource Advantage , LLC, requesting validation of the alleged debts. The letters were received by FirstSource Advantage , LLC on XX/XX/year>, and XX/XX/year>, respectively. However, as of today, I have not received any response or validation of these debts from FirstSource Advantage , LLC, within the required 30-day period under the FDCPA. 

Despite this, XXXX, the original creditor, sold my information to FirstSource Advantage , LLC, and the debt collector has attempted to collect on these alleged debts without providing proper validation, as required by law. This is in clear violation of my rights under the FDCPA, as the debt collector can not continue collection activities without providing proof of the debt.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate action to ensure my rights are protected. Please feel free to contact me if you require any additional information or documentation regarding this issue. 

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

In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXX  : Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it. 

2. Remove this account for inaccurate reporting because the date of the last payment is missing.

Since you have not reported the date of the last payment it messes up two things. First it shows do not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off.

This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 3. Remove this account for inaccurate reporting because you have failed to report this account every month.

You have not reported this account since XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me XXXX  Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
5. I am disputing this account for inaccurate information because you are reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Student loan

Good afternoon, I XXXX  from the XXXX XXXX XXXX XXXX in 2009. I have attempted to remain consistent with my payments, as much as possible, for some time now ; however, with the Interest Only payment options given by Navient & expensive multiple forbearances ... although I have made payments for years ( XXXX  not always consistent ) all of my loans have gone up exponentially and are out of control over $ XXXX for ONLY a XXXX XXXX XXXX from a school that turned out to be a " For Profit '' school without proper accreditations. 

I need Help. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts that do not belong to me are reported on my credit reports i have sent in numerous complaints to experian and i have heard nothing back and its been over 6 months 1. The following account is not mine Chapter XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Shellpoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

I have provided all XXXX credit bureau with my discharge letter for my XXXX XXXX that was signed by the XXXX XXXX. The XXXX stay on credit for XXXX  years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX XXXX XXXX wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my XXXX XXXX I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my wife by reporting inaccurate information on accounts that were XXXX through XXXX XXXX that do not have a negative balance. I have no balance in my XXXX XXXX XXXX. I have started all new credit the account are to follow that are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account they were all XXXX with XXXX balances. I would like the XXXX XXXX to be taken off of my report. They are not supposed to be showing any type of negative activities.
Product: Debt collection

Not sure who used my social security nunber thru and online card company but thus appears on my credit and I kno its not me bc I wasn't born XXXX which they say they name where
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 or more inquiries with capital one bank. Ive reach out to capital one to resolve this matterbut I was told to contact XXXX, XXXX and XXXX to remove these inquiries that Im not aware of but all 3 credit bureaus told their not they can do XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail to TransUnion requesting method of verification for the XXXX bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX TransUnion sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all XXXX bankruptcies. On XX/XX/XXXX I received the investigation results which deleted # XXXX and only updated ( not verified ) # XXXX. I have received no response regarding # XXXX & XXXX.
Product: Vehicle loan or lease

On XX/XX/2021 My account was placed in fraud status. This is due to the bank illegally obtaining my credit information and illegal down payment information. I was told by a representative that I can not make a payment on the is account unless its a certified check ie XXXX XXXX. My current independent bank is XXXX XXXX XXXX XXXX funds are supposedly not execrable. My credit card used to pay for the car in full was excepted. Ms. XXXX is under Ally Autos Financial and in Charger of the account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Vehicle loan or lease

Santander Consumer has committed unaffair business practices and scheme, fraudently sale contract practice for car loan. I have made over {$10000.00} on the vehicle and a {$4000.00} deposit the company refuse to adjust the payment {$19000.00} has stay the exact same for 2 yrs as of XX/XX/XXXX not matter what substaniel payment are made they just don't change the balance current or late. They charge a hidden fee 18 % daily even after collecting {$440.00} amount and XXXX but will never change the balance no matter what payment are being made at all just a complete scam. Santander Consumer investors pool are greedy and doesn't have the best interest for the customers.
Product: Payday loan, title loan, or personal loan

I received a loan from WellsFargo to start my medical practice. I am personally liable for the loan for my LLC, not the business itself. The payments etc appear on my personal credit report. 

I was supposed to receive a line of credit with the loan, but that never materialized. 

When I make extra payments, I request that the payment due date be advanced. WellsFargo has not applied any of my payments as I requested. They have said it is because the payments are not associated with an invoice, but no bank sends out old payment coupons anymore. WellsFargo does not generate electronic invoices in advance. They create a system where I can not pay an advanced payment, despite me wanting to do so. I even tried placing the month and date in the memo section. 

I called WellsFargo again on XX/XX/ XXXX. I reached XXXX. XXXX refused to understand my issue. She became upset and disconnected the call, when I stated her answers were not to my questions. XXXX stated the payments are applied by a computer. Any over payment is applied to the principal, but does not advance my payment date. I kept explaining that is exactly what I do not want to happen. I want the payment date advanced, unless I tell someone to apply it to principal and not advance the payment date. 

I like to have a cushion in payments in case something unexpected occurs. They rob me of my ability to manage my finances in the way that best suits me. They take away my right to apply the extra payments as I wish.
Product: Mortgage

I was denied a home loan modification and given the run around with missing or incomplete paperwork then told to submit the missing or incomplete paperwork then told it was out of date and start over very shady and deceptive business practices which led to me losing my home of 10 years every time I applied for a modification the bank would deny it and then transfer my mortgage to a new servicer ( bank ) so many banks screwed me and last time I checked federal law states if Im injured in that way I am entitled to triple the loan amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I COSIGNED FOR A CAR FOR MY SPOUSE WHO FILED BANKRUPTCY, THIS COMPANY REFUSE TO SEND ME ANY STATEMENTS DUE TO HIS BANKRUPTCY THEN CHANGED ACCOUNT TO A INDIVIDUAL ACCOUNT ON MY CREDIT. SO TODAY THEY DECIDE TO REPORT AGAIN UPDATE THE STATUS TO JOINT IN WHICH THEY TOLD ME THEY COULDN'T DO & REPORT THIS ACCOUNT DURING COVID AS 30DAYS TO LATE TO AFFECT MY CREDIT- WHICH WAS PREVIOUSLY UNDER A NATURAL DISASTER. I FEEL THEY WILL PROVIDE ME WITH NO LETTERS OR STATEMENTS TO STAY CURRENT ON THE LOAN. THEY ALSO SHOULDN'T BE ABLE TO REPORT ANY NEGATIVE RATING TO MY CREDIT REPORTS DUE GO IT BEING A ACOOUNT INCLUDED IN A BANKRUPTCY & ALSO DUE TO THE NATURAL DISASTER DUE TO COVID. THIS ACCOUTN IS IN A CHAPTER XXXX  AND SHOULDN'T BE REPORTED TO ANYONE 'S CREDIT. ALSO STATEMENTS NEED TO BE MAILED EACH MONTH
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries and information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have fallen for a student loan forgiveness scam. BCO Consulting Services called me a couple weeks ago, telling me I would be approved for student loan forgiveness. Up to {$15000.00} taken off my debt. I couldn't believe it. Their sales pitch was extremely believable and I gave them my info. Everything made sense, and all I wanted to do was get my student loan deducted as much as I could. After realizing what I did and knowing now I SHOULDN'T of done that, I called them to cancel my student loan forgiveness program before the first check was deducted. I got multiple emails that they cancelled my service, but today I got charged for the first deduction. It isn't even taken out of my XXXX account. I'm so scared, I don't have a job and I need this money refunded. Please tell me what I should do next. I am a victim of a student loan forgiveness program FRUAD.
Product: Vehicle loan or lease

the vehicle was financed at XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2023 they told me they would provide me the tags and registration within 45 days of purchase by mail but after making the contractual agreement the dealership after 30-45 days never provided me the documents or tags to get the tag and registration. The vehicle was then returned to the dealership in XX/XX/2023 but the dealership never cancelled the loan that was financed as agreed for this vehicle after illegally repossessing the vehicle I have been left with bad credit, they have my trade-in and down payment and first two months loans payments were never reimbursed and the trade in was never given back to me.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my report and noticed fraudulent activity on my account can you remove this from my report its hurting my ability to obtain credit
Product: Credit reporting

The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. 
See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXX and XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Product: Money transfer, virtual currency, or money service

XXXX of 2015 I went to SunTrust bank To open a check account in my employer giving me a fake check that I had no idea and now I'm unable to open up another account at any other bank