23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Continental Finance Company XXXX. XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute and Demand for Immediate Deletion of Account Reporting Under FCRA Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the continued reporting of the above-referenced account by Continental Finance Company ( XXXX ). Based on your own records, the account was charged off on XX/XX/XXXX, with an outstanding balance of {$1200.00}, and subsequently sold to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. You further stated that collection efforts ceased upon sale and there was no further financial obligation on the account serviced by XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report only accurate and complete data to consumer reporting agencies. Since you no longer own the debt and confirmed cessation of collection activity, any continued reporting of this account under your name is false, misleading, and in violation of federal law.

Furthermore, the investigation documents provided in response to prior disputes do not contain a valid, original handwritten signature, which calls into question the legitimacy and validity of the evidence provided. Under FCRA standards, an investigation must result in verifiable documentation supporting the accuracy of the reported data. In the absence of a signed, original agreement or supporting legal documentation, you have failed to meet the burden of proof required to continue reporting this account.

As such, I am demanding the immediate deletion of any and all information related to this account from any and all consumer reporting agencies to which it has been furnished. This includes removal of the tradeline, charge-off status, balance, and payment history. I am not requesting a correctionI am demanding full removal, as you no longer have any legal interest in the account and have not provided adequate documentation to justify continued reporting.

Please note that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as consideration of legal action for willful noncompliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I just discovered on my Citi issued Best Buy credit card that I have been paying for a debt security program for I don't even know how long. Total cost to me has been hovering around $ 80/month and I don't know how long it has been this way. I am attempting to reach out to Best Buy and Citi now to rectify the situation, but I have not heard back yet.
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. 

Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : 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: Mortgage

We had a loan with Nationstar Mortgage LLC and always made our payment in advance of the actual due date. We refinanced our loan recently and when they sent the demand to the title/escrow company it appeared to be off by one months payment. In order to not lose our lock we went forward with the refinance and decided to dispute this after the fact. We have made numerous calls to Nationstar and each time we are forced to talk to a new person and explain the situation all over again. What we have asked for repeatedly, and Nationstar said they would send, is a complete accounting of all the payments we made over the course of the loan. We believe that they did not give us credit for the XXXX/XXXX/15 payment and therefore owe us a refund. To date we have not received any kind of an accounting from them and are frustrated as we 've called at XXXX XXXX times regarding this. We want a complete accounting of all our payments made to them on our loan. The loan number with Nationstar is XXXX. If you could please help us with this it would be greatly appreciated.
Product: Mortgage

To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.
Product: Debt collection

the debt was paid in full on XX/XX/, for {$1000.00} yet debt collector ( capital accounts LLC ) kept sending collection notices, for XXXX in XX/XX/2023, XX/XX/2023, XX/XX/2023 I had to take time off of work, had to go back to the dental service provider to get a letter in XX/XX/2023 stating satisfaction
Product: Mortgage

I have never been late in paying any accounts, and I always pay on time and do not give written consent for the reporting of this late payment. The account with reported late payments on my credit report is inaccurate and does not reflect my actual payment history. XXXX  reporting this late payment violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request an immediate investigation.
Product: Student loan

When I started school at XXXX  XXXX University, I filled out my FASFA and was given the federal student loan. My total is {$23000.00}. Fast forward to now with student loans being deferred for all students I receive a bill from Nelnet stating that my payment is due. When I called this morning they told me that yes its a student loan but because of the type of loan I am not eligible for the relief for payment that everyone else is given. I asked what the difference was and was told that its a loan that is owned by a different part of Nelnet so I have to pay my loan. I was not aware that there was a difference in this loan and I dont feel like it fair that I was not told of the difference and would not be allowed to get the deferment that the world is getting for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up automatic payments with XXXX XXXX but their system was down. I XXXX XXXX XXXX and missed a payment because I thought I had set it up but didn't. I paid the payment straight away and reported the problem of their system being down but they said they wouldn't fix it. I have screen shots attached to this that show the system being down at the time.
Product: Debt collection

XXXX  First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.
Product: Credit reporting or other personal consumer reports

My wife and I are selling our current home and purchasing a new home all at the same time. Over three years ago, the mortgage company that held the loan on my current residence sold the loan. We thought they sold it to another mortgage company called XXXX XXXX XXXX. It turns out they are a debt collection company and not a mortgage lender. I discovered this when my loan officer informed me that they had not been properly reporting my mortgage payments to the credit bureaus. This is now making it so I can not show an accurate credit score and obtain the loan on a home that I am closing on by XX/XX/year>XXXX 

Every time I call they read me a disclosure that they are credit agency attempting to collect a debt. I have been assigned an asset manager. I am not a creditee in collections. I am a homeowner with a mortgage. I also discovered that they do not own my mortgage. My mortgage was sold to XXXX XXXX XXXX XXXX XXXX which has no contact phone number. So I can not actually call a loan XXXX who holds my mortgage. 

I need help resolving this. Thank you so much and I greatly appreciate you.
Product: Student loan

I have been making additional payments on my loan, above and beyond my minimum monthly payment. I have requested these payments go toward my principle balance only in order to reasonably get out of my own debt quicker. However, the company informed me that Unfortunately as outlined in your promissory notes we must first apply payments to accrued interest, then to any fees ( if applicable ), and finally, to the principal, your daily interest accrual is {$4.00}. 

I do not doubt that this statement is correct. However, I believe this practice and policy directly violates my rights. Here is a relevant quote from the Consumer Finance website : All student loan borrowers have the right to make extra payments ( known as prepayments ) at any time, without any fees or penalties. If you can afford it, paying a little extra each month or making a lump sum payment towards your principal is a great way to lower the total cost of your loan. Not only do you pay down your debt faster, but you save money on interest charges over time. 

This company is denying me the right to do just so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation
Product: Credit card or prepaid card

I have called Barclay several times to remove the balance and update the status of this account. I need this account removed from my credit report right away. I had my check garnished for the balance owed and my employer and myself have verified that the account was paid in full. This account was used by my X fianc and yet I had to suffer it the balance alone, In good faith i paid it and now Barclay has not honored their own agreement and reported the information accurately to reflect my diligence.

I'm asking that they remove this from all of my credit reports completely.

I have documents from Barclay that verify my {$0.00} balance, it shows in their own system that my employer sent the documents to them last year, and that I've called numerous times to solicit their help to resolve this matter.
Product: Debt collection

I was sued by Portfolio Recovery Associates, I told their attorney XXXX XXXX, XXXX that I was on SSI and Social Security XXXX he said that it did n't matter, I have received 4 Notice of Levy trying to garnish my bank account, they listed the wrong bank on each one.
Product: Consumer Loan

I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.
Product: Credit reporting or other personal consumer reports

Inaccurate payment on the account reporting on my credit report. Only 1 bureau is reporting on my credit report when the other 2 is not.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian requesting the method of verification used in connection with the investigation of the dispute I submitted online regarding the accuracy of information on my credit report, as allowed under 15 U.S.C 1681s-2 ( e ). 

The following accounts were disputed on 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 The two XXXXXXXX XXXX accounts here deleted off my credit, however the credit report Experian sent back with dispute result had none of the info requested.
Product: Debt collection

I continually receive robo calls from a company claiming to be Pro Collect, but I have never received anything in writing from them as to what the debt is. The number shows up as ( XXXX ) XXXX on my phone, but message states to call ( XXXX ) XXXX. Today, XXXX/XXXX/2016 they called and left a voicemail at XXXX. I have a screenshot of my phone log showing the call.
Product: Mortgage

Bank of America deliberately falsified loan application documents related to a request that they refinance the outstanding mortgage on the property in question. When confronted with the false loan amount, which should have been about $ XXXX instead of $ XXXX ( see attached payoff letter ), Bank of America said they would fix the false loan amount on the back end, but they never did fix it. The loan application was denied in a letter dated XXXX XXXX 2017 based on that very falsified debt, saying the applicants debt to income ratio was excessive.
Product: Debt collection

I am not liable for this dedt with Ally Financial, I did not have a contract with Ally financial, they did not provide me with the original contract as requested
Product: Debt collection

Ive tried to dispute this item and it came back that this is correct with is wrong information I have no knowledge of this account and I do not know who this account is in for me to be liable to pay for something that I have no knowledge of is wrong
Product: Credit card

On XX/XX/year>, I was scammed in XXXX, XXXX by being charged {$230.00}, instead of $ XXXX rate by a XXXX payment provider. The payment was for a taxi ride no more than a mile or so. I already knew I was being overcharged, but I didnt know I was being scammed this badly. I am a student, and so {$230.00} is a lot of money for someone like me, thats usually my budget for food for an entire month. Im disappointed in Wells Fargo because when I contacted them about my dispute, they didnt seem to care too much, and on XXXX, a man told me it was classified wrong, and told me to first make contact with the merchant myself then they would help to resolve it if it didnt work. I can accept that, and attempted to make contact with the merchant, but they had planned for this. There was no way to contact them on the bank statement, and I even made a third party account to go through the payment processor, but there was no contact information to be found. I relayed this to Wells Fargo, and the woman on the phone with me on XXXX said that the man I called on XXXX was giving me wrong information, and I was out of luck and I should pay for it myself. 

The part that I am really dissatisfied with is I feel like Wells Fargo didnt do anything. They didnt temporarily credit my account, they didnt try to make contact with the merchant for me, they didnt even initiate a chargeback when I told them it was a scam. Ive had disputes with my credit union before, and they always take the customer service route, immediately charging back the charge, giving you a credit as well. They make contact with the merchant for you and usually you dont have to lift a finger. 

This is especially disappointing to me because I was about to make the switch from my XXXX XXXX to Wells Fargo, because Wells Fargo offers better services for online banking. Now I dont know what to do. 

I think in the future, Wells Fargo should actually do something instead of saying Youre out of luck and closing your dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get wrong addresses and phone numbers off of my report but no response of help from Transunion without doing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states I have a 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. 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: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 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 ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Vehicle loan or lease

I received an advertisement to lower my monthly payment on my XXXX XXXX that was purchased in XXXXXXXX XXXXf 2022. My rate from XXXX XXXX was a high at 12 %. After filling out the loan request from Capital One Auto Loan department, my rate was going to be 10 % and my monthly payment would go from {$260.00} a month to {$230.00} a month. I was given a choice of payament terms and length. Consisting of 3 different rates and monthly terms. I chose {$230.00} a month to lessen my monthly payment and make my Loan percentage would also be less. I submitted all paperwork. working with a loan specialist. Never heard anything from Capital one for 2 weeks and then it was a recorded message saying. My monthly payment would be {$290.00} a month. I called 17 times trying to correct this obvious error. No one ever returned my call and I only spoke with some out of the country CS support line. When I finally reached someone today on a return CS call, I was told the pauyoff I quoted was {$160.00} more so thats why the monthly difference. ( I called XXXX ). Then I was told you signed a contract so you will have to live with it. Capital One pulled a bait and switch and nevef freturned any of my calls untill after they paid of XXXX XXXX. There is still a question re : The {$280.00} payment I made 7 days ago. Please Help XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX
Product: Bank account or service

On XXXX XXXX, I purchased a money order from Western Union to submit to my cable company. The Cable people never received it. I contacted WU and was advised that I had to purchase for {$15.00} a copy of the cancelled money order. When I originally contacted WU in the latter part of XXXX I was told that after I received the cancelled money I would have to contact their office to provide a recorded affidavit attesting that I did not cash the money order. They told me this process would take around 30 days. The time has expired and I do not have my cancelled money and I was told, that after the phone call that I still have to make, the process will now take about 120 days or so. I was also told that even after their investigation, I still may not be refunded.
Product: Credit reporting or other personal consumer reports

I sent cease and decease letters to all the companies to stop contacting me in any manner