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

Despite making this attempts to resolve this issue, the inaccuracies persist, causing significant harm to my credit standing. Despite these efforts, the errors remain unresolved. The lack of correction and communication from your company is both frustrating and unacceptable. The continued presence of these inaccuracies is impacting my financial stability and causing undue stress. I am now seeking the intervention of you to assist in rectifying this issue. I expect an immediate corrections and to receive a response within exact timeframe from the date of this letter. If this matter remains unresolved, I will have no choice but to formally file a complaint and consider further legal actions to protect my rights. Please help me correct the following accounts 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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. EXP XXXX
Product: Mortgage

Our property taxes have been delinquent since XX/XX/XXXX. They are escrowed into our mortgage. My mortgage payment went up over {$200.00} due to an increase in insurance and property taxes. I have dealt with NUMEROUS people through Mr. Copper ( our mortgage company ). They have said we will get this resolved and handled ASAP. Its been a month and a half since first finding out and dealing with them, and NOTHING has been done. They keep saying they sent in payment in XXXX XXXX to My tax office. I have spoken to the tax office NUMEROUS times to find out they have not submitted any payments. The amount owed has gone up significantly due to interest. The mortgage company continually says they will get back to me on a certain date an NEVER actually do. When I try and follow up I can NEVER get the same person on the phone and have to start over with someone new. Again we have been paying more to the mortgage company to find out they arent paying. Our tax office is so EASY to get ahold of and fine out whats outstanding, but the mortgage companies acts as though there is miscommunication somewhere because the tax office has confirmed the taxes have been paid, there words to me on one specific occasion. 

I have been informed recently that the attorney that my tax office has hired will be taking the case to court effective XXXX. XXXX, 6 days from now, if they are not paid. As of today XXXX XXXX NOTHING FROM MR. COPPER.
Product: Debt collection

I 've been receiving calls from First Recovery Associates. They say that I defaulted on a payday loan from CP Investors back in 2013. They have my social security number and current bank account number ( had a different bank account in 2013 ). I have never applied for a payday loan. When I tell them this, they hang up on me. They will not leave me alone and I know they are trying to scam me, but still have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX MBA XXXX XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX  issuing XXXX  XXXX Reported as delinquent payments when I have made many payments all minimum payments have been met on time XXXX XXXXXXXX are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to correct my personal information with XXXX, XXXX, and equifax.
Product: Debt collection

On XX/XX/2017 Progressive Management Systems began reporting a derogatory account on my credit for the amount of {$1000.00} that is not mine and causing me to have negative items on my credit file
Product: Debt collection

I have no idea what this debt is, or who these people are and have never received documentation about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are all reporting Two Bankruptcies that are not mine, and never happened. I had a XXXX  XXXX Bankruptcy which filed on XX/XX/XXXX. This Bankruptcy provided relief I was seeking. Yet, the XXXX bureaus are reflecting additional XXXX XXXX Bankruptcy filings on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I mailed by complaint to Barclays disputing what was reported and they mailed me indicating I was correct and nothing ever changed on my credit. Also filed with XXXX.
Product: Credit reporting or other personal consumer reports

I paid loan off now getting calls I still owe money on loan. I asked for verification letter and have not received anything. I see in my credit report XX/XX/XXXXand now ok but it says I still owe
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. XXXX XXXX XXXX aka XXXX 's reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.
Product: Credit card

Chase Bank, USA, NA sold my credit card account to XXXX XXXX XXXX without notifying me. I did not agree with all charges and different products billed to my account. XXXX sued me using a bad process server and my wages have been garnished for 4 years. I recently learned of the Consent Order that Chase entered into with CFPB and would like to know if my Chase account qualifies under that Consent Order.
Product: Checking or savings account

I am the probate and power of attorney for my aunt XXXX XXXX, She passed away in XX/XX/2021. My probate lawyer sent them correspondences in XXXX XXXX XXXX, XXXX and XXXX and they have not responded and will not release the money. Everything has been done and money should have been released but they will not respond.
Product: Debt collection

I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.
Product: Mortgage

With Covid 19 my mortgage company Mr. Cooper is string up its clients to fail. Instead of adding deferred payments to the end of the loan, they are requiring full payment at the end of the 3 month extension. This will allow them to foreclose on multiple homes which is unreasonable for most borrowers who opt in to this. I am not working, but I will not be doing this with my loan.
Product: Checking or savings account

So Ive already reported several things about Wells Fargo and I just had an employee call me refused to give me her first and last name or a code to link to her. Which I know they do sometimes if they dont want to give out their private information. Shes assuring me that they use XXXX numbers and never in my life since I bank with Wells Fargo since they were Wachovia and XXXX XXXX never have they asked me to call a XXXX number. 

This lady said her name was XXXX XXXX would not give me a code to link back to her. Also asked me my birthday and last four of my social, which they are not allowed to do. I was told when they call you. I gave it to her because theyre covering up the fact that they already have this information by stealing it on second life. Tells me that XXXX, no last name, is the account manager. Just was concerned about me reporting the XXXX number. I would like their numbers trace back because they are using scramblers. And I assured her a court can do that. Because I had my friends boyfriend stock her while she was at my house and they can trace back numbers even if its a block number every electronic has a code to send a signal to a device to make it work. But I didnt know how to update information on these cases so I started a new one. XXXX XXXXs number was XXXX. Says they all use XXXX numbers. Never in my life have I called the bank on a XXXX number! Old XXXX, phone number she wanted to tell me that this branch is based out of North Carolina. And thats why they use XXXX numbers thats XXXX. 

Also, XXXX XXXX tried to say her last name I only had one letter and I said nobodys last name is one letter thats when she changed it after saying yes, it is only one letter to were not allowed to give out our last things and didnt give me an ID number
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, XXXX  and Equifax with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Product: Credit card or prepaid card

I have been a Capital One Customer for over 16 years. Over 16 years, I have never made a late payment and have been a loyal customer. I have requested several credit line increase requests. However, Capital One has purposefully used 60 to 90 day old credit bureau information to deny my requests ( see the attached screen shots ). I have called Capital One and was told they don't care and can't do anything about it. I made requests on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ( see attached screen shots ). Each time, Capital One used credit bureau information from XX/XX/XXXX ( 60-90 day old info ). My credit score was 100+ points higher on the dates of the credit line increase requests. However, Capital One purposefully used old information to deny my requests. 

I made another Credit line increase request on XX/XX/XXXX. Capital One declined my request this time and claimed a " payment was recently returned ''. I have been a loyal customer for 16 years. Furthermore, Capital One claims the payment I made was returned because the payment was made using a checking account with an incorrect account number. I have made 50 or more payments to Capital One in the past 12 months and have never had a payment returned. 

Capital One is discriminating against me for some reason and purposefully using old credit bureau information to deny requests and trumped up reasons of a " payment returned ''. Capital One is a horrible company for treating a 16+ years customer this way. Horrible, Horrible company!
Product: Credit reporting or other personal consumer reports

I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use XXXX income. 

I have paid XXXX so far back on the XXXX owed and AIDAdvantage ( was XXXX ) will not update the correct amount on the credit bureaus, XXXX is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit reporting.
Product: Debt collection

I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy XXXX  XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX  XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from Third Fifth bank, Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the Fifth Third Bank had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Product: Debt collection

This collection is on my credit report. Company refused to see me original debt. also refuses to furnish me with a contract for services I have received with their company. I have conducted no business with this company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) 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 in ( 30-90 days ) 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. 


( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) 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: Debt collection

Have a police report for identity theft. Explained charges are not mine. Opened a dispute, and still say I owe. There are various credit inquiries for same.! Why would I keep applying for credit to same companies? Need to fix my credit. Please help me.0
Product: Credit card or prepaid card

I have a platinum American Express credit card, which it doesn't have spending limit. I have been making sure that I pay the card large amounts so that I can keep the good records and I have been making automatic payments of {$500.00} every months, plus large payments of {$1000.00} or more. For example my recent last large payment was {$11000.00} on XX/XX/XXXX. So far everything was fine, until the last statement, that the the minimum payment became the whole statement balance of {$7800.00} as I had two large charges related to my dad 's funeral. I called to arrange a pay over time deal with them. But the next day I saw that the automatic payment has been triggered and it is set for the whole statement balance of {$7800.00}. I called multiple times to get it fixed and I only received run around and fake resolutions, telling me that they have fixed it. Eventually, AMX tried three times to withdraw this large payment from my XXXX XXXX XXXX and it messed up all my other bill payments that were supposed to be withdrawn from my XXXX account as it was negative. I am very unhappy with the customer service who caused this problem and now my record in their system is showing that my payment was returned due to insufficient funds, while I didn't authorize this large payment and it was purely customer service issue. Now, I am showing late on the payment that I didn't set up to pay and this is not my fault.
Product: Debt collection

I have two bills I have been paying on through portfolio recovery. I spoke with a rep a few months ago and told her I didn't want to receive any notices through mail and wanted email only. She said ok, and all correspondence would be sent through email. I continued to receive mail. I spoke with someone else who wanted to know why I didn't want mail. Through online chat, I spoke with someone who was quite rude and said they had to mail me correspondence per law. However, according to their own website, I can opt in to get electronic correspondence. I have contacted them multiple times stating I wanted electronic correspondence. They never responded to my emails and I am still getting mail after explicitly telling them I did not want mail. 

This has caused me severe mental stress, as everytime the notice is received via mail, my spouse is reminded of my short comings and causes strife in our house.
Product: Credit reporting

I had several hard inquiries placed on my Equifax credit report without my permission by XXXX XXXX car dealership on XXXX 2015. I contacted XXXX XXXX directly and they apologized for the error and sent me copies of the correction letter on company letterhead as well as to Equifax to have the items removed. This first began in XXXX 2015 and still continues today. I also sent Equifax the same letters and they are still refusing to remove the inquiries. I have tried on several attempts but with no success. I also spoke to a Equifax customer service manager and she stated they received all the letters but are still refusing to remove the inquiries. The letters clearly show XXXX XXXX at fault and they are requesting the inquiries be removed due to their error. I am having no success with Equifax at all. Please help. 

XXXX
Product: Checking or savings account

On XXXX BOA charged a overdraft protection fee as they took money from my savings when they did not need to as I had all the funds in my account I needed. Also, BOA for some reason has stopped emailing me my daily balance like they have done for 9 years. Nothing on my end regarding contact info has changed. I feel this is a way to steal money from my account.