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

I originally placed a security freeze on my Innovis credit file on XX/XX/year>. I am now requesting to have the freeze removed and have submitted a formal request to Innovis, including all necessary identification and supporting documents. This is my first request to lift the security freeze.
Product: Credit card or prepaid card

Since the last complaint I filed on XX/XX/2023 the credit card company Aspire did not follow through with their own agreement on my account that they offered themselves during the last complaint. Aspire did not bring my account current, as I was still {$500.00} + in the hole because of fraudulent transactions that I tried disputing with them. I also made aware during the last complaint that I requested activation of the credit protection feature due to a injury. They are charging me for the fraudulent transactions, but they stated during the last complaint that they were going to activate my credit protection which cover my payments while I recovered from my injury. Two {$14.00} transactions posted to my account from them for the credit protection. That's not even the actual monthly payment amount. This is unfair credit card terms that they are trying to put upon me. And now upon talking to a support agent XX/XX/XXXX they have closed my account and I'm sure it's up for collections which will damage my credit score.
Product: Money transfer, virtual currency, or money service

Paypal froze one of my Verified business Paypal accounts. This account was moving about $ XXXX through it weekly with very minimal disputes for how many transactions done. 6 months ago my account was frozen with $ XXXX in it, after calling them they said they would hold the funds for a 6 month period then release the funds to my bank or mail. Now my Paypal balance says {$0.00} and when I call them they say they took the money due to damages and Paypal Policy, weird how the damages add up perfectly to the amount in my balance ... Also heard of about XXXX other people with similar story 's some with larger amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Debt collection

I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. 
Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization.
Product: Vehicle loan or lease

I've extended my lease during COVID as I am on unemployment ( business has been closed since XXXX XXXX and it's coming due XX/XX/. I'd like to purchase the car but my bank doesn't do lease buy backs. I bank with XXXX XXXX. I asked VW Credit for another extension so I can buy time until my business can reopen and I can actually qualify for a loan as I will have income. VW Credit refused to give me an extension. So now I am forced to turn in my car I want to buy. I have paid on time with no issues. I need my car for when we reopen so I can work. Without my car I will not be able to work and reopen my business.
Product: Debt collection

I called Citi Bank about a fraudulent account opened in my name and asked it to be removed completely from my credit report. They did not remove it. They placed a XXXX  balance on the account and wrote a note saying the account was closed by my request. I did not ask them to close out the account. I asked them to REMOVE the false information that was wrongfully placed on my credit score. I stated to them this was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company by the name Affirm who is furnishing account information on my credit report against my consent. I did not give them permissible purpose to do so. Pursuant to FCRA 15 USC 1681b - permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They did not even give me disclosures pursuant to 15 USC 6802B Opting out of having my information reported. The kept certain information from me. I did not give them legal permission to report my personal account information.

Please help.
Product: Debt collection

The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX XXXX XXXX ( " XXXX '' ). I am the original creditor for the consumer credit transaction. XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX my direct consent to share my private identifying information with anyone. XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. XXXX and XXXX took legal action against me in a county I did not reside in. XXXX nor XXXX has authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and my wages were garnished. This is my second run in with XXXX taking illegal action against me. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the same dispute a total of 5 times within the last 60 days and Equifax has failed to follow the federal guidelines and investigate this dispute. In addition, when calling over the phone I was not able to get any information however, I was told to resubmit information however, I have submitted the information a total of 5 times within the last 60 days and no investigation has been conducted. Equifax has failed to investigate this dispute and they have been supplied both a police report including a FTC report yet there has been no dispute started for this account. I'm a victim of identity theft the account with XXXX XXXX XXXX is fraud and I have submitted this dispute to Equifax on the following dates in addition, I have a certified confirmation of mail to Equifax in addition, to fax confirmations which Equifax has not responded nor opened a dispute per federal guidelines. I have submitted a dispute to Equifax on the following dates : XX/XX/2022, Certified mail Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 
XXXX, GA, XXXX XX/XX/2022 faxed to XXXX Confirmation via fax XX/XX/2022 certified mail, Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 

XX/XX/2022 fax, Delivered to XXXX confirmation via fax XX/XX/2022, XXXX fax to XXXX confirmation via fax Equifax needs to follow federal protocol and remove this account. Additionally, they have failed to respond within the 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

in XX/XX/2020 I went to exchange crypto for dollars. The funds never came through and then I couldn't access my account. Then 98 percent of the currency was missing, and I am still locked out of my account. I can not get anywhere calling, emailing, or any other way. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

This is my first 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX LA : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # 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 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt is not mine. I have filed police report for fraud and every complaint was submitted to XXXX. Every year, XXXX will put this in my credit report without valid proof of debt. Capio collection will call me 3-4 times every day with different generated phone numbers. Im so scared and its embarrassing. I have never ever been to this hospital. I dont know why I have to be bullied every year for what I do not know anything about. I reached out to XXXX to provide proof of debt and nothing was ever done.
Product: Vehicle loan or lease

My first loan payment {$510.00} was due XX/XX/. I Bank of America bill pay and payed the bill on XX/XX/. Today is XX/XX/, and the payment still has not been processed. Called BOA and the associate stated it will be several more days until processed and I will have a late charge. I believe this to be malicious just to get the late charge or they are just that incompetent
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for FCRA Violations Dear CFPB, I am submitting this complaint to address significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Experian, which have caused substantial harm to my financial and personal life. 

Experian has failed in its legal obligations by : Not conducting reasonable investigations of disputes I submitted, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Failing to ensure maximum possible accuracy of reported information, per 15 U.S.C. 1681e ( b ). 
Reinserting inaccurate information into my credit report without providing proper certifications and notice, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Experians negligent practices have been well-documented, including recent fines and penalties imposed by the CFPB for improper investigation of disputes and inaccuracies. These practices have directly impacted me, resulting in : Denial of credit opportunities Increased interest rates Emotional distress and financial hardship Additionally, I was a victim of the Experian 's data breach, which further exposed my sensitive information and amplified the harm I have suffered. 

Requested Resolution : Immediate deletion of all previously disputed negative items on my credit report that were not properly investigated, as mandated under FCRA guidelines. 
Confirmation that Experian will cease reporting inaccurate information in the future. 
Assurance of compliance with all FCRA obligations moving forward. 
These violations have hindered my ability to progress financially and have caused unnecessary stress and hardship. I urge the CFPB to take swift action to address Experians systemic failures and enforce compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These aren't mine. Please remove them.
Product: Debt collection

Lender fails to comply with federal RESPA regulations in regards to the handling of annual tax escrow disbursements. For a consecutive second year since PHH Mortgage took over the servicing of my mortgage, they have failed to send out the funds that I have paid into my escrow account for payment of my real estate taxes on said mortgaged property. There is no reasonable means to communicate with their escrow or tax dept. When I communicate with their customer service management, they explain that it takes them 1 to 3 days to get a response from the tax and escrow department. This company is in violation of the Real Estate Settlement Procedures Act and has been fined for improper lending and servicing practices in the past and apparently hasn't changed.
Product: Vehicle loan or lease

Today is the XXXX XXXX XXXX XXXX XXXX I made a call to AMERICAN HONDA FINANCIAL to request a contract from a previous vehicle, the phone operator XXXX XXXX XXXX  was very rude, disrespectful, denied me any access to speak to a supervisor also blocked my number from being able to connect to another operator, he was more concerned of my late payment which i expressed ive sent out a payment to the indenture trustee of XXXX XXXX  in care of acura financial, also ive sent out the coupon that acura financial has sent me in a BILL OF EXCHANGE and gave me until XXXX XXXX XXXX  to pay for the vehicle. he wanted to know how what when and why I was late with an attitude as if im dealing in any business with him, i am not. not profession not understanding even when i expressed the mail has been sent REGISTERED ( SECURITY ). he then called me back at XXXX XXXX  pretending to be someone else, until i recognized his voice, after he started threating to have my vehicle for impound! im am filing for harrassment this is no longer accepted. i refuse to do anymore business with AMERICAN HONDA FINANCIAL. filing a complaint with XXXX, FTC, CFPB, USA.GOV, local news, etc. I dont not feel comfortable after that conversation, i was looking for help and renn decided to make everything worst than what it already is. ive already been extremely stress this has been a very tough year. no excuse even if im late on my bills i pay in full! with late fees as well, never complain cause i love my vehicle. sometimes things just get hard thats life until u figure it out the best way. also im reporting the fact that AHFC HAS has been reporting on my credit report which i gave no authorization to do according to the fair credit act and the 15 U.S CODE 16811681b ( 2 ) ,1681c, P.L , 90-321 ( 82 STAT.146 ) ,12 CFR 1022.3
Product: Debt collection

I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.
Product: Credit reporting

The account " XXXX XXXX XXXX '' was delete off my credit report and now reinserted on my profile. Pleas have this removed ASAP. The file number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I viewed my credit report from Experian. Having recently gone through a foreclosure im considering bankruptcy to relieve me from the judgement granted against me in favor of the mortgage lender. The mortgage was executed in XX/XX/XXXX but no payments are reported until XX/XX/XXXX. The mortgage lender refuses to offer any explanation or any comments at all. The attorney for the lender and who filed the foreclosure does not acknowledge my questions either. I'd like to get a truthful answer because it's hurt my credit long before the foreclosure happened. Four years of on time payments not being scored and recorded has handicapped my ability to use or grow my credit and forced me to lose options while I was completely unaware. The date the mortgage began to appear on my report is coincidentally the same as my husband at the time stopped paying the lender and informed them he was walking away from the house. At this time the lender pursued me for obligations to keep foreclosure prevented. Being divorced in XXXX I didn't expect to be held responsible for the house my ex husband kept and agreed to finance in a new loan. I have serious doubts that things are as im told to believe but to date I can't get any clear answers.
Product: Mortgage

In XX/XX/XXXX my wife and I applied to Bayview Loan Servicing for a mortgage modification based on hardship. The modification was denied. In XX/XX/XXXX we ask that the modification be reconsidered.. In addition to the reconsideration I asked for a breakdown of the amount past due because my records did not agree with the past due amount indicated by Bayview.. To date we have received no response from Bayview regarding our request Also Bayview has increased my monthly mortgage payment without explaining the increase. Our monthly mortgage payment has gone up approximately {$200.00} a month from the original mortgage agreement. XXXX XXXX was the original servicer of our mortgage and I was working with them on the correct past due amount and an increase in the monthly mortgage payment until Bayview took over the servicing of our mortgage in XX/XX/XXXX. After Bayview took over the servicing XXXX would not provide any further information concerning our mortgage. 

In summary I am asking for the following.

1. A detail breakdown of the amount past due 2. An explanation and detail breakdown on the monthly mortgage increases 3. A reconsideration of our loan modification request