23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXXXXXX I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX Refrigerators. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXX etc. Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

XXXX XXXX XXXX XXXX... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Accounts not mines. Need them removed. These items have caused severe hard to my reputation, my character, my mode of living and to my family! I need the following accounts deleted. 

XXXX XXXX account number : XXXX account total : {$2300.00} Date Opened : XX/XX/XXXXXXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  account balance : {$1600.00}
Product: Student loan

To whom it may concern The nature of this correspondence is to dispute the two XXXX closed accounts on my Equifax credit file. i have attached a document showing that items were not reporting on my credit file but they were in fact still on my credit profile and i have attached documents proving my case showing duplicate accounts. 

I had recently on XX/XX/XXXX file a dispute in regards to the account and the Confirmation number for the Equifax dispute is # XXXX i have attached the document to this dispute and on page 5 and 6 of the dispute you will see accounts number XXXX and XXXX and it says " The disputed item is not currently reporting on the Equifax credit file '', but it is still reporting and the full account number is not displayed in file but only part of the account is shown and those numbers are XXXX and XXXX which is the same as those accounts that were supposedly not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans is erroneously reporting two ( 2 ) thirty ( 30 ) day lates on me and my wifes credit report, which caused me not to be able to refinance my home loan.
Product: Debt collection

I sent out disputes for the creditors to send verification of the debt that they are saying I owe multiple times the last letter was sent out on XX/XX/XXXX  in which they responded with just a statement of the bill and none of the other items I've been asking for months now. ive asked these creditors to send me the following : 1. the amout of the debt claimed 2. the name of the original creditor 3. verification that they were assigned or have the legal authority to collect this debt.

4. A copy of any original agreements or contracts baring my signatures etc.

Sending me just a statement of the bill is not proper verification and WILL NOT suffice.

I need more details about what they are saying I owe so that I can make an informed decision or for these accounts to be permanently deleted from my credit reports immediately if they can not send me proper verification.
Product: Vehicle loan or lease

I have recently fell on hard time as most Americans have. I am ( 1 ) payment behind. I discussed with them the option of making a double payment 1 week after being 30 days late ( payment due XX/XX/XXXX and willing to make a double payment for XXXX and XXXX on the XXXX of XXXX ). They advised me that on Saturday the XXXX it will be more than 30 days and unless I come up with the payment my account would be turned over to the recovery department. I understand that it is my responsibility to be on time with my payments. But it would be really appreciated if they were willing to be accommodating in times of financial hardship. I am willing to schedule a payment directly from my account and yet I can't. If I could go back and not take out this loan for my car, I would.
Product: Student loan

On XX/XX/XXXX I sent a complaint to the Consumer Financial Protection Bureau because I could not access my account after repeated attempts and working with customer service. EF said my account was fully loaded on XX/XX/XXXX. Good for you except I can not access it. Yes I did register a new account online after that as requested after transferring to the new system. The last time I contacted EdFinancial was on which was on XX/XX/XXXX and it shows a successful log-in. Yes and No. That was the day customer service was helping me try and gain access. I was able to get in for 30 seconds. I went out and tried to get back in again and it would not give me access. I have used different internet browsers. And yes I have reset the password. None of EF responses were helpful because I and customer service have done this repeatedly. Every time I try and log in, I get an error message that says to reset my account. And every time we do that, and I try and log in, it loops me back to the same error message. On EF side, everything looks great per customer service- you are not getting any error messages but I am. I CAN NOT GAIN ACCESS TO MY ACCOUNT!!! There is a problem with your system or my account that needs to be fixed. The customer service rep did all he could ; he enrolled me in the SAVE plan on the phone and toggled something so that all bills and correspondence are sent via US mail. Because right now, it is the only way I can pay or know anything because I can not access my account. Something is messed up. Please fix it!!
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries that showed up recently on my credit report that are not mine. 
One was for a XXXX XXXX XXXX XXXX on XX/XX/XXXX and the other for XXXX XXXX  Bass Pro shop also on XX/XX/XXXX. I have not banked with XXXX XXXX for many years and I do not shop at Bass Pro Shop. I believe these inquiries belong to my brother. We share a birthday, similar names and social security numbers that are nearly identical. Please help me remove these hard inquiries.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENTS IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE
Product: Credit reporting or other personal consumer reports

i had a XXXX  installment account to start building credit but it was reporting to XXXX & XXXX only not transunion so i had to let the XXXX. Account close just XXXX transunion aint never change my middle name, transunion have my XXXX XXXX  middle name on my credit report & transunion never changed the name like they said they would XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years my purse and my belongings were stolen with my social security card and my ID and information was in my purse at the time so I 'll things ran up in my name whoever stole my information I have reports from the police in the past a lot of things is not my fault should be in my name as front of my credit up
Product: Credit card

I purchased a trial from a company ( XXXX XXXX XXXX XXXX ) that was set to auto renew in 3 months. In XX/XX/XXXX, I received an email stating, Hi! 
Your plan XXXX expires XXXX XXXX You can renew it in the panel. 
Sincerely, The XXXX XXXX Based upon the content of this email, I believed that I must have already cancelled my plan, it was expiring, and that it would not auto-renew. Because of this, I did nothing. On XX/XX/XXXX, I received an emailed receipt for {$170.00} for an auto renewal of this plan. I immediately contacted the company and told them that I do not want to have this service, and asked what I need to do to assure Id not be charged again. The company would not reverse the auto renewal charge. 

I contacted my credit card issuer, Goldman Sachs on XX/XX/XXXX and provided them with the same information Im providing here, complete with screenshots of the emails between myself and leakcheck, as well as the email stating that my subscription would expire on XX/XX/XXXX. Goldman Sachs denied my dispute, without a specific reason given. I reasserted my dispute on XX/XX/XXXX. Today I was informed that my dispute was again denied, without a specific reason given. I reasserted the dispute, filed a complaint with the FTC against XXXX, and am filing this complaint. 
Ironically, after I was charged for the auto renewal, I went into the dashboard and canceled auto renewals there. Once it was time for the next billing, I received the exact same email stating that my plan was expiring and to log into the dashboard to continue it. However, this time it was actually canceled, so it never charged me. So, customers who cancel and customers who are about to be billed for an auto renewal, both receive an email stating that the subscription is expiring, with no mention of auto renewal.
Product: Mortgage

I have been attempting to get a loan modification starting   XXXX   thru  XX/XX/XXXX    I have sent all documents requested on numerous dates. All documents have been confirmed as received. After an unpleasant conversation with an underwriter who questioned my   XXXX   XXXX  ax return schedule C costs of labor and materials the situation seemed destined to be a negative experience. His questions seemed to be from a person that was not very experienced with self employed customers. The review resulted in a denial of a loan modification stating that my income was more than it actually is. I appealed sending updated and more specific documentation and more recent financial information that included bank statements and profit and loss statements for the  XXXX  quarter  XXXX . The underwriter based my income on tax documents from  XXXX . I am self employed and each quarter has an income variation that was not analyzed accordingly. Also  a drive  by appraisal that I received from them had  XXXX  inaccuracies that drastically affected the stated value of the residence due to square footage errors on the appraisal. Incorrect income and incorrect valuation appraisal is unacceptable when it affects a major decision for a loan modification. I attempted to have the accurate information reviewed to no avail. I believe that my hardship reasons affected the decision also. The fact that I have health issues and that I am female are just additional reasons I believe the loan modification was denied.
Product: Credit card or prepaid card

I have encountered the issue with Citibank twice now where I have called them to cancel my credit card and close out the account and when I go to check it several days later, the account is still open. When you call in, the customer service representative will bring on an " account specialist '' to assist you with closing the account. You can tell them 100 times in a row to close the account and they will speak over you and say ok you agree to our promotion and so forth. In this last case, they signed me up for some offer and left the account open. Clearly, they employ some shady individuals who clearly receive some sort of perk for retaining customers. Beware of these people as you will more than likely have to call several times and cross your fingers hoping that the account is closed and you are not billed for services you never requested as well as an annual fee. I consider it harassment. It is as bad as a timeshare pitch which is not right. You should not be harassed and charged exorbitant fees for trying to close your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  XXXX Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXX XXXX : {$770.00} XXXX XXXX XXXX XXXX  : XXX AMT : {$490.00} XXXX ACCT : XXX  AMT : {$83.00} XXXX  ACCT : XXX AMT : {$1100.00} CBCS ACCT : XXX AMT : {$670.00} Also, the following unauthorized Credit Inquiries will be  removed immediately without prejudice : XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Vehicle loan or lease

I am filing this formal complaint against navy Federal Credit Union. My complaint pertains to their handling of my vehicle financing, which has raised some grave concerns pertaining to securities fraud and tax evasion. Under the securities exchange act from studying the contract and the law governing my protection. My contract was signed at the dealership XXXX XXXX in XXXX, XXXX That promissory note and certificate of indebtedness was securitized by Navy Federal where they also received a cussip number and engaged in trading activates. According to research, Navy Federal operates under a 501C3, which is a non-for-profit banking, yet is charging me for late fees and overdrafts fees. the NCUA my overdraft fees are insured and should not be charged, showing negative on my account. 
I sent a package out to the head of the legal department XXXX XXXX requesting documentary evidence on this matter. the package also included a request for a free and clear title, revoking ( 16CFR 433.1.2.3 ) request them to STOP collecting interests on my contract being sold, and all payments returned to me as I am the Invester and not the creditor nor the finance company ( which the contract is legally between ). Navy Federal is operating as XXXX XXXX XXXX ( trustee company ) which according to XXXX and XXXX XXXX can't be so. 
Besides the fraud that has happened, my promissory note was never signed, and the number are wrong on the contract from the dealership and the number on the promissory note. I had a verified trade in, and the amount shown on my car doesn't show that the car before was FULLY paid off before the agreement was made on the new purchase. I never received the overage from my trade in either.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name 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 an 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. 1681 Section 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

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File 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 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
Product: Credit reporting or other personal consumer reports

SYNCB/Amazon is inaccurately and incorrectly reporting information on my credit report. such as the Date of last activity, date reported, date opened, credit limit and last payment date. This is a violation of the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXXt, XXXX - XXXX XXXX, XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.