23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt validation letter was sent to CAPITAL ACCOUNTS CERTIFIED MAIL ON XX/XX/XXXX, XXXX on XX/XX/2020 a complaint was submitted to CFPB with regard to a debt XXXX XXXX : XXXX. CAPITOL ACCOUNTS responded to this complaint on XX/XX/2020 with explanation that this account would be cancelled and that the the have requested the tradeline for this account with all bureaus be deleted.
Product: Mortgage

This complaint is in reference to what Wells Fargo has done and what they have not done concerning my XXXX Mortgage loan. 
In XXXX I had acquired and HELOC second mortgage loan with XXXX XXXX XXXX XXXX XXXX in the amount of {$65000.00}. In XXXX I had refinanced my home with XXXX XXXXWells Fargo XXXX I had not heard anything from the second mortgage lender from XXXX until XXXX when I received a lawsuit in the mail. I received a lawsuit from XXXX XXXX, XXXX whom I did not know nor was familiar with. The lawsuit named me and several others including Wells Fargo with a request to quiet the title and, for all those listed except for me to renounce all claims or interest in the property listed at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. Wells Fargo, who claims to be in first position agreed to renounce all claim or interest to the property and subsequently transferred my good standing loan to XXXX XXXX XXXX. 
A current title company agent has informed me that because Wells FargoXXXX XXXX did not submit a subordination letter, the second mortgage lender elevated to first position by default allowing them to foreclose on the home and claim full ownership without my current mortgage which I am still paying as a first mortgage being paid off. I have asked Wells Fargo to provide information as to why a first mortgage lender would agree to renounce all interest in a good standing loan and property to a second mortgage lender in order to be removed from a lawsuit to quiet the title. 
I am currently in negotiations with the second mortgage lender to remove my house from foreclosure status and I have also asked Wells Fargo to help remedy. 
Wells Fargo has claimed that submitting a subordination letter only has to do with XXXX XXXX. So XXXX XXXX disputes this and has reiterated that neither Wells Fargo nor XXXX XXXX XXXX appear on any current title searches.
Product: Consumer Loan

I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative items to XXXX, TRANSUNION, XXXX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Credit reporting

I continue to review my credit report for errors and the same errors that I have disputed are still present. When I try to file a dispute with Experian it will not allow me to do so and an request that I cancel my dispute. XXXX and XXXX XXXX have prematurely added late notices to my reports even after being paid and before I ever became XXXX or XXXX days late. XXXX was paid on XX/XX/2016 via XXXX bill pay but refuses to accept my payment. They claim that the they have an internal rule in which they do not accept payments from customers who have had more than XXXX return payments. This rule was never presented to me during the signing of my loan agreement nor did I sign anything to agree to this. XXXX is at fault for not applying my payment correctly. On XXXX separate occasions I requested to be placed on automatic bill pay through a monthly withdrawal from my bank account. I submitted the paperwork to XXXX twice and even confirmed with a female associate who confirmed they had my paperwork. I reviewed my account and observed that I sent payment by accident through my bill pay which I stopped because XXXX was to draft my payment from my account on the XX/XX/XXXX day of the month. Instead of drafting my account the market me as 30 days past due for the month of XX/XX/XXXX even before my payment was due on the XX/XX/XXXX. When I called them they stated that they will no longer accept payment from me unless it was in the form of certified funds. When I asked what happen to my automatic draft they claim that they never received it even after they confirmed they got it. Similar to XXXX XXXX they are claiming that they have an internal policy where they refuse to accept payment which again was not agreed upon in my loan terms or was brought to my attention when I opened the loan. These late notices should not be on my credit report and were done so maliciously by these pay-day lenders. Also I disputed my XXXX account who has reported me late in error. The balance is incorrect on my XXXX account and my payment history is incorrect. I was on a payment protection plan due to a job loss that reduced my payments. Apparently my bank account information was entered incorrectly which caused my payment to be returned and because I was in error added to the do not call list I was not notified until several days later, via XXXX mail after the XXXX mark. XXXX agreed to remove the XXXX day late mark if I filed a dispute but Experian has failed to investigate this properly. I have attached the response from Experian and how they prevent me from filing an additional dispute to remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX XXXX XXXX  XXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX  XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting 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 corrected : 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, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Product: Vehicle loan or lease

Ive had my car since XX/XX/XXXX with XXXX as the balance which is hindering me and moving forward, I went into the dealership XX/XX/XXXX because, I needed to make a payment. I ask the dealership if, I could get a copy of my original Bill of sell. They couldnt find my car information in the system and ask me if was I sure I purchased the vehicle from there, ( red flag ) ( Carmax ) I gave seller my purchase date. Then the dealer proceeded looking into the system. When she finally printed the Original Bill of Sale nervously. I noticed my signature was forged on the paperwork. I also made a XXXX down payment on the vehicle when I purchased the vehicle in XXXX of XXXX! A XXXX XXXX XXXX, ( used ). I was mislead and was taking advantage of. Since then, Ive spoke with them asking the dealership if they could clear my debt or send me the car title. Due to the fraudulent activity on my account. Ive noticed they fraudulently signed my signature. I didnt need a down payment, my credit was fair! they took my down payment as collateral for the sales men. as hes telling me, it would be best to do so, the seller was ( XXXX XXXX XXXX ) CARMAX AUTO has been scamming young people like myself which has caused a great deal of stress. according to 15-USC-1635a, . I would like to exercise my to Rights to rescind regarding this matter. UCC1-308 C/o XXXX XXXX XXXX w/o prejudice in good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Vehicle loan or lease

On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way
Product: Debt collection

Got a notification from Credit Bureaus that a New Collection was added to my Credit Report by the Name : IC Systems Inc XXXX XXXX MN These people claim I owe {$200.00} I have spoken to them in the past about this debt and told them this is not my debt. They claimed I created this debt but I deny these allegations because I have never heard of the company that sent the Debt over to them. This debt was not created by me, I feel this company is out to damage my credit report and my reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

Open and active Dates are in accurate on both of XXXX and transunion.
Product: Credit card or prepaid card

Direct express has locked my card for no reason and they won't unlock my card they are keeping my SSI benefits I need to pay my bills. They won't tell me why they locked my card. They asked me to email them my kansas i.d I did that now they are asking me to send a picture of my social security card and my birth certificate. This is ridiculous. I want my money
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.
Product: Debt collection

LVNV FUNDING LLC is falsely reporting on my credit with a Balance of {$700.00} and Account number XXXX. LVNV FUNDING LLC is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with LVNV FUNDING LLC. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have 30 days for a reinvestigation. I will also be seeking monetary relief per violation for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXXXXXX XXXXXX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge off.