23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been harassed via phone by XXXX XXXX with Avid Acceptance about a previous loan I had with his company. XXXX XXXX I fell victim to a flood and my car that was financed through this company was deemed a total loss. My apartment and all of my family 's contents were destroyed. My insurance company did not pay the full value of the car nor did I have Gap insurance as I was told I had. I never thought to check the information but found out the hard way after my car was totaled out. Insurance then pushed me to get a new vehicle or be without a car or get a rental at my own expense. I spoke with the Avid Acceptance whom told me they would not finance me until my current loan was paid off. I had to go through another company to get a car for my family, clothes, place to live etc. XXXX has been calling my boss stating that I gave her as a personal reference apparently she gets so many calls she begged me to call him, and tell him to stop calling her. I was not made aware that I could make this complaint or even if something will be done about it. I just need him to stop calling my boss. I have tried to negotiate to get this debt taken care of but what I can afford and what they want me to pay are two different things. I can not even get on the website to make some kind of payment because he says he can not agree with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquiries that dont belong to me.
Product: Checking or savings account

I am going through XXXX XXXX at the moment and have been getting donations for my benefit. I had a gentleman call me explaining how he lost his wife to XXXX XXXX and his daughter is a XXXX XXXX survivor and wanted to donate. He asked me if he could mail me a check. He did not say an amount but did say it was coming from his beneficiary lawyer. I was a little skeptical but thought I would just open up a new bank account to avoid any funds being taken from my original bank account. I opened an account with BMO and gave this XXXX XXXX he called himself the routing and acct # 's for the lawyer. On that exact first day I opened that account and gave him that information there were emails coming to me with login issues. I called BMO right away to make sure no one was in my account and the lady said there was no issues. About a week later the check showed up in the mail. It was larger than I thought he would of sent but I thought maybe with both his wife and daughters issues he was being generous. I deposited the check knowing that I wasn't going to use right away because I'm putting together a benefit for cold capping and if there was an issue with the check BMO would let me know. Well this guy already was hacked into all my accounts. He online deposited XXXX checks into my BMO account and withdrew all {$5000.00} the bank approved before clearing the check. BMO has done the investigation and is now telling me I am responsible for the loss and owe them {$5400.00}. I don't know how they can not see the device used for the XXXX online checks is not mine. This hacker also got into my credit card account and maxed it. Then proceeded to make a payment from an account I have no idea where its from to pay it off. My credit card has completely settled everything on their end but BMO told me its my fault because I deposited the check. Is there something I can do to get this solved? Please let me know what my options are.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX I discovered several fraudulent accounts on my credit report due to identity theft. These are blocking my access to essential credit. Under Section XXXX of the FCRA, I demand their immediate removal. Please resolve this by correcting my credit file without delay. Thank you for your prompt attention.
Product: Credit reporting or other personal consumer reports

I did not make this inquiry and it need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.
Product: Mortgage

I closed on my home with a short sale on XX/XX/XXXX. Mr.Cooper was my primary mortgage and they accepted the short sale offer and we closed. The bank never sent my XXXX or XXXX documents which was their responsibilty by XX/XX/XXXX. My attorney for the foreclosure prior to the short sale acceptance never received the documents nor did the attorney of record for the short sale. I spoke to customer service at Mr.Cooper 3 times, each time getting a different answer. I was instructed to send a request with the letter of disengagement from my attorney to their research dept. which I did twice with no response. I called again today and was told that only my lawyer can talk to their legal department in order to retrieve these documents, some kind of " code '' has to be removed and can only be done by their legal department, who won't talk to me. Please advise as this is preventing my accountant from completing my XXXX returns. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my Barclay Card total {$2000.00}. They said they did not get but cashed the check. Took several months and i sent copies of front and back of checks. They removed one of the credits then gave me a late payment and account was paid in full. Now the credit bureaus have a 30 day late for XXXX in XX/XX/ which was Barclay error that the fixed. I disputed on credit bureas but still came back i was late. Credit score went down significantly and i was never late. Just disputed again with documents stating i was not late. This needs to be addressed. Thank you
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company 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

There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. XXXX years before the alleged account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

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 called Transunion at the internet listed number XXXX and was connected with a health monitoring company. 

I searched more and found the correct number XXXX. 

TransUnion Company TransUnion is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including " 200 million files profiling nearly every credit-active consumer in the United States XXXX XXXX Its customers include over 65,000 businesses. XXXX Customer service : XXXX ( XXXX ) XXXX Stock price : XXXX ( XXXX ) {$90.00} XXXX ( XXXX % ) XXXX XXXX, XXXX PM XXXX- Disclaimer Headquarters : XXXX, IL XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Subsidiaries : TransUnion XXXX, TransUnion XXXX, MORE Disclaimer Profiles XXXX XXXX XXXX XXXX I talked with a representative on the phone who talked in more circles than I knew existed. 

I was asking why my Vantage 3.0 score dropped XXXX points. With XXXX XXXX and another monitoring company. After pressing for a non circular answer she told me that Transunion only provided credit information to XXXX XXXX and XXXX XXXX ran their own process on the numbers provided to them by TransUnion and produced their own score. TransUnion had nothing to do with the Vantage 3.0 score. But I could buy a credit report for {$9.00}? and then maybe I could get it straight. On the automated answering system when I called in the message said that Because of Covid all three credit bureaus were giving a report for free every 7 days. I asked the agent about that and she replied it is not the same thing and I needed to buy my credit report. She did not ask if I have gotten my free annual report or offer that information only that I had to buy my report. I told the representative that I was going to report her non answers to you and she said I can't stop, control, or something like that as if from my point of view she did not care what I said or did. 

I called XXXX XXXX and after talking to several departments and finally a supervisor they told me, they only use what TransUnion gives them and they can't do anything without TransUnion. They offered to pay for the report with a {$10.00} credit on my monthly statement to help me get the answer because they felt that XXXX points was a large drop in my score and they were willing to help find the issue. 

I call XXXX XXXX XXXX and they told me that for the Vantage 3.0 score they use what TransUnion gives them and they have nothing to do with the score and can only change it by reporting what I did with their company.
Product: Credit card or prepaid card

On XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts, including some business credit card accounts. Before they were closed, I had a significant amounts of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX,
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the collection account that was placed on my credit report by IC System Inc. in the amount of {$580.00} on XX/XX/2021. I believe that this collection account is a violation of my rights under the following regulations : - 12 CFR 1006.34 ( b ) ( 5 ) - 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - 12 CFR 1006.34 ( d ) - 15 USC 1681 -s 2 ( 7 ) ( a ) I request that this item be removed from my credit report immediately. I have reviewed my records and have found no evidence of owing this debt to IC System Inc. Additionally, I have not received any notification or communication regarding this debt prior to it being placed in collections. 

I am requesting that IC System Inc. provide me with validation of this debt and proof that it is valid and accurate. If IC System Inc. is unable to provide this information, I demand that the collection account be removed from my credit report. 

Please investigate this matter promptly and provide me with a written response within 30 days. Failure to do so may result in further action being taken. 

Thank you for your attention to this matter. I look forward to resolving this dispute and having the collection account removed from my credit report. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, XXXX   XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX I tried to report this dispute online through XXXX but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.
Product: Student loan

The loan servicer makes it hard to pay back loans and it feels like they charge you more money than you actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Certified letter to Experian onXX/XX/XXXX requesting that each negative creditor validate the debt with documents and signatures of the agreement. On XX/XX/XXXX Experian said they would delete if creditors fail to apply. On XX/XX/XXXX, Experian sent me an updated report with nothing deleted or change.I received on XX/XX/XXXX. I Called Experian onXX/XX/XXXX and spoke to supervisor XXXX to no avail, no help at all. I was explaining to him that my name is wrong and I have hard inquiries on my report that I did n't make.
Product: Credit card or prepaid card

On XX/XX/2022, I received an email from Bank of America ( BoA ) notifying me of a successful credit card application in my name ( despite fraud alerts on my CRA accounts ). I immediately contacted BoA and was bounced around between multiple departments with long hold times, but after around 3-4 hours on the phone, I was told the issue was resolved and that the hard pull on my credit report would be removed, the account would be closed, and I would receive a copy of the application in the mail. 

On XX/XX/2022, I received a letter from Bank of America with no additional contact information stating that " We've verified the inquiry placed on your file XX/XX/2022 '' and " This means we won't be adjusting our reporting like you requested and consider this dispute resolved. '' I again contacted BoA on XX/XX/XXXX and was transferred once to a recorded message, called back and escalated to a manager who said I would need to call the fraud department in the morning. I call the numbers he gave me ( XXXX and XXXX ). Both of those numbers were unsuccessful, but I was given another number of XXXX for the " correct '' fraud department now. After 40 minutes, this agent had investigated my record and said the CRA refused to remove it and I had to dispute the hard inquiry with them. XXXX states that hard inquiries must be disputed with the company making the inquiry, so this is not consistent. This agent gave me two more numbers to call, XXXX to dispute the rejection of the hard inquiry, and XXXX for Victim 's Assistance to try to get a copy of the application ( which apparently requires me to send copies of ID via mail ) and to see if they can help more. 

I am now approaching 6 hours on the phone and more than 10 hours of time spent trying to find contact information and strategies to dispute this rejection. The BoA agents have been unwilling to provide me an address for official correspondence so that I can send an official dispute letter as recommended by identifytheft.gov. 

I am astounded at how hard a major financial institution makes it to dispute and resolve a fraudulent inquiry. I contacted them nearly immediately after receiving the email to report the fraud, but by their letter, it appears they do not believe that claim and provide me with no means to continue the dispute.
Product: Debt collection

Subject : Cease and Desist Notification and Refusal to Pay Alleged Debt Accounts Ending in XXXX and XXXX Dear Velocity Investments LLC, I am writing to formally notify you that I am refusing to pay the alleged debt related to the following accounts : XXXX XXXX  Account ending in XXXX ( XX/XX/year>XXXX XXXX XXXX XXXX Account ending in XXXX Under 15 U.S.C. 1692c, I am exercising my right to request that you cease any and all forms of communication with me regarding these alleged debts. This includes, but is not limited to, communication via phone, email, post cards, and any other mediums. Additionally, you are to immediately cease reporting these accounts on my consumer report. 

I expect these accounts to be removed from my credit report without delay. Please provide written confirmation that all communication will cease and that the accounts in question will be removed from my consumer report. 

Failure to comply with this request will result in further legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, equifx, XXXX dont come up
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by Equifax, XXXX, and XXXX, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX  ( XXXX ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXX & XXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXXXXXX XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with Equifax, XXXX, and XXXX to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with Equifax, XXXX, and XXXX. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

Sincerely, XXXX XXXX
Product: Debt collection

I have never entered into an agreement nor do I have a contract with XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. This is fraudulent and a violation of my right to privacy and my consumer rights.
Product: Debt collection

I have been paying my child support faithfully every month, but my child 's mother has moved to another state and there was a miscommunication between the State of XXXX and the State of XXXX   that I have not been able to resolve. I have now been sent to collections for child support that I have paid. I have included a payment letter from the State of XXXX from XXXX, XXXX to XXXX, XXXX that proves that I have been paying over {$2000.00} a month in child support. 

XXXX ; XXXX  and XXXX are also reporting this item on my credit report.
Product: Money transfer, virtual currency, or money service

A year ago, I paid an online service for malware elimination. At that time, the service made it cler that this was a subscription and that if I did not cancel the subscription I would be charged another {$10.00} one year later. I went online and cancelled the service because I didn't need a subscription. I have the meail documenting this cancellation. This week, the service charged {$40.00} to my Paypal account. I diputed this charge with Paypal and was informed that they derermined the charge was legitimate. I sent the subscription documentation to Paypal but have gotten no response. I also sent the cencellation documentstion t0 the service provider and no response. This is a fraudulent charge and Paypal needs to refund my money. Paypal transaction number is XXXX.