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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Product: Debt collection

Cascade Capital bought my defaulted loan from XXXX. The Statute of limitations in Florida is 5 years. The loan was sold to Cascade XX/XX/2015. Cascade refuses to take this off my credit report.
Product: Debt collection

Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX : {$6000.00}.
Product: Debt collection

Scheduled monthly credit card payment at XXXX XXXX CST for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX  since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XX/XX/XXXXbig mistake. 
Closed on Chase mortgage loan XXXX and told initial monthly payment due XX/XX/XXXX. When we closed in XXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX  account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our XXXX and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR
Product: Vehicle loan or lease

Hey I financed my car on XXXX XXXX XXXX I remember getting it I had to pay XXXX total for the down-payment! After that they also read to me the contract really fast and told them to slow down so that I could fully understand what im hearing so after that before and after I signed the contract I asked the salesperson numerous of times was there anything wrong with it because the engine light was on! So they did the inspection and they said everything passed! So, the salesperson said don't worry about it!! It's just the censors that are messing up so I just went and got the codes clear and thought nothing of it until I realized a few weeks later which fell on the week of the the XXXX XXXX XXXX XXXX  I attempted to contact them which was during my 30day warranty that next week while my 30 day warranty was still active I asked them was there anything wrong with the car they said no everything is fine so I said okay and let it go They told me it was 1 previous owner that had it but not the prior damage they caused on the vehicle! So I found that out on XXXX myself that they had 4 previous owners that could of possibly caused damage to the car before me getting it also on XXXX  it said they resold it so many times due to the damage that was already done to the car. I also tried contacting them within my 30days of my warranty I remember it was up XX/XX/XXXX which fell on a Saturday which was technically my last day of my warranty being active. I'm thinking they could of worked something out since my warranty fell on a Saturday and it wasn't fair becuase they were closed on weekends so when I called up that Monday of the XXXXXXXX XXXX XXXX XXXX they said there was nothing they could do and to contact other warranty companies to see if they could help I was so furious I didn't know what to do... So I just kept contacting them like why wasn't u guys honest now I am stuck with a car thats not even up depar and my total amount I owe is XXXX and I had it for almost a year now and saying I only payed XXXX which is really approximately XXXX!! I just hope us as the consumers get justice!! I had to even make investments on this car already and havnt had it a whole year yet my exhaust leak cost {$600.00} and that's including the brakes I had to get fixed with this car and that was after XXXX so I'm really hoping we can get justice!! The sales price on my car is {$10000.00} for my XXXX ... .Im basically paying XXXX extra over the salesprice which is XXXX I owe Also I spoke with westlake portfolios as well and even mentioned to them about it to see what they could do but... nothing is what they told me they have poor customer service skills and and really big on just collecting the payments and thats it so nothing has been helpful
Product: Student loan

I have submitted no less than six complaints regarding MOHELA demanding payment in my loans that are subject to discharge under thXXXX XXXX XXXX XXXXXXXX lawsuit settlement. MOHELA was notified of the same in XX/XX/ XXXX however they have failed to process the discharge and have erroneously placed my account in repayment. As a full-class member, my account should not be in repayment status. I have repeatedly requested for my loans to be placed back on administrative forbearance, but MOHELA has refused to update my payment status. The Department of education has confirmed that my account should be in forbearance status I have provided MOHELA confirmation of the same they have ignored those correspondences.
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. Send me an updated copy of my credit report and please block and remove all information from it. The following products were obtained through fraud that I did not authorize and are not mine : In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates that these accounts be deleted within 4 Business Days of receipt, block and destroy all information arising from identity theft.

Thank you Block and delete accounts.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account 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 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 or other personal consumer reports

Subject : Request to Block and Delete Unauthorized Inquiries Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the removal of certain unauthorized inquiries on my credit report following a recent data breach that exposed my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent inquiries be blocked and permanently deleted from my credit report. 
The following inquiries were unauthorized and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Personal Information! 
I have been calling since XX/XX/2022 after being denied for rental property! I got letter stating that they can not pull my Credit Report nor obtain Score from Equifax, maybe due to Fraud Alert. Upon receiving letter I call Apartment Leasing Office and explained how that can't be because I do not have a fraud alert on my report. They informed me to call Equifax and try to get problem resolved. So I figure I'd try to look up my report myself and nope theres no report nor score, EQUIFAX isn't reporting any of my information! 1st call XX/XX/2022 I explained my concern and agent reassured me there was no alert nor freeze on my report. She said she would file dispute on my behalf to report problem with website! That's not what I explained was the problem but ok. I call Leasing office and pay another application fee {$50.00} to have them try again ( so now I'm out of {$100.00} ) ..she informs me samething happens. 2nd attempt to Equifax XX/XX/2022 this time they said I have an alert on my report and askes if I like to remove..now I have never asked alert to be placed!!! Furious at this point I need to know the accuracy of my Personal Information because something isn't right..She gave me so many inaccurate Addresses and I then tell her I have 1 ONE address thay needs to be on file and to update please! I give him information and he says it was taken care of and I should be able to get report! Again epic Fail! I am just trying to move, This goes on til XX/XX/2022! Called and yes I am upset and immediately ask to speak to a Supervisor only! Too many agents and noone is understanding what I am saying and instead of getting progress they are making matters worse! I get Supervisor on the line and again explain issue..she informs me theres no Fraud alert but I have been LOCKED OUT OF MY ACCOUNT BECAUSE OF FRAUDULENT ACTIVITY..wth how and by whom..Myself I ask? She says she can not give me any information but to send in certified mail or fax stating problem with copy of my License and SSC! I did both. XX/XX/2022 I receive " Updated '' Credit Report and before opening the address on front is wrong!! Personal Information still not updated and showing inaccurate information.
Product: Prepaid card

Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further.
Product: Credit card

I paid my bill of {$310.00} in full and they credited to the wrong account which had XXXX balance so now it's showing a negative balance. I called on XX/XX/XXXX to have it corrected and they said they would. As of XXXX it had not been fixed so I called again and they once again said it would be corrected. As of XXXX it still hasn't been corrected pus they added a late charge. I called again and they said it would take up to 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX XXXX XXXX {$1100.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Product: Mortgage

I applied to wells fargo home mortgage through the home preservation department for a loan modification for my home since XX/XX/XXXX2024 and every time I sent documents in to them that they requested, by their own mail, addressed envelope to submit the documents or through their email address process each time since XX/XX/XXXX2024 they returned to me saying either they didnt get the needed documents or some missing, or I needed additional documents and I have sent them verification of income and whatever else in additional information to help move the process and up to now, still nothing have been but still saying they need more document that I already sent in over and over again. I have tried to provide Wellsfargo with documents requested n check them off each time i contact them to only learn, documents not received and i have sent. Telephone communications to them have bern dropped calls or long waiting with voice to leave a message.. I been in my home 17 years love my home n wish to stay in it. I have provided the documents as requested and sent personal letters hoping to move forward but still hasn't n started this in XX/XX/XXXX. I have been requested to send the same documents over n over. The assigned home preservation, ive called but got her 1-2 time in XXXX, always others representatives. I like to be assigned to one person represented in home preservation to communicate with. Wellsfargo representatives are overlooking my related documents which can cause me to be denied and go into foreclosure. My home area in a XXXX redlining area i known for years and ive been subject to discrimination because of this from wells fargo. Ive asked for a fair housing mortgage cost based on the fact i was charge way more with my loan than the value of my home. The value of my home will never reach what i am to pay in loan amount. Ive sent all documents request ; sufficient income info, my debt to income is manageable for me now, Hardship letters, consistent monthly income. Ive been under severe emotional distress dealing with trying to get my modification, 17 years of my hard work living into my home, my community..
Product: Credit card

OneMain Financial called my place of business after being notified by mail to not contact me by phone what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update ASAP.
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX. 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, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I was on a business trip in California. I went to the rug company, XXXX at XXXX XXXX XXXX XXXX, CA XXXX, they had a going out of business sale, when I walked in I was helped by the salesman XXXX XXXX. After looking around I decided to purchase a rug for the amount of XXXX before I paid I told XXXX that I do not live in California and he said that it was no problem to ship the rug. I was then sent to a different room to pay for the rug and was helped by another employee. He informed me that if they ship the rug via XXXX to my home that I will not be charged sales tax. The next day, XX/XX/2018, I was contacted by XXXX, asking me if I could get the rug on my flight because he was worried about all the confusion and high traffic in the business due to closing, XXXX also stated that they would pay for the extra airline charge for shipping the rug. I later found out that I could not get it on my flight, so when I brought it back I told them we will have to go with the original plan and have it shipped by XXXX. I also informed them that I live alone and need to have it shipped to my home without a signature and I explained I have excellent security camera. XXXX said no problem. I paid XXXX ... no sales tax was ever charged. After over a month I never received the rug. I contacted the owner, XXXX and he stated that they shipped it with a smaller shipping company and they require a signature. XXXX also stated that they tried to contact me but I was at work. I explained that sometimes I get home late. XXXX state that the shipping company will not deliver past XXXX XXXX. The next thing I know is that the company sends the rug back to XXXX without contacting me again! XXXX has my rug and they want to keep my XXXX. They told my credit card company that I left the store with the rug and all sales are final. That was NOT true!! The original shipper stated that the rug was returned to XXXX in California. The shipper stated that he tried to get ahold of me several times but I only received one call and I told them that I will be home at XXXX that night but they never came. I believe that was around XX/XX/2018. I never heard back from them even though I tried to call the number back
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of XXXX. I had a late payment with XXXX XXXX XXXX. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by XXXX during this era of life. I asked XXXX to help with the late payment reported and they said there was nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. XXXX XXXX XXXX XXXX ( THRU XXXX XXXX XXXX XXXX DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) XXXX REPORTED THE ACCOUNT ON TRANSUNION 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A ZERO BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS