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

Capital One Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Numbers : XXXX Capital One Auto Finance ( Date Opened : XX/XX/year> ) To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced accounts and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Dispute of Account Reporting The accounts listed above have been reported as written off as profit/loss ( charge-off ). However, I have identified that these accounts are being repeatedly reported as new charge-offs with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information.

15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information. 
By continuing to report these accounts inaccurately, Capital One Auto Finance is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation.

2. Request for 1099-C Issuance As these accounts have been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ) for each account. The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws.

3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to these accounts. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding these accounts.

4. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Immediately correct and remove the inaccura
te information from all credit reporting agencies.

Provide a copy of the IRS Form 1099-C for the cancellation of each account, if applicable.

Confirm in writing that you have ceased all collection activities and communications related to this account.
Product: Credit reporting or other personal consumer reports

I looked at my credit report today on XX/XX/year> and noticed that some things were not accurate pertaining to my XXXX XXXX account, including : Original Creditor, Status, Status Updated, Balance Updated, Past Due Amount, and Payment History Check attachments below. 

XXXX XXXX is not reporting complete and accurate information to all XXXX of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX ( Account # XXXX ). This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Product: Checking or savings account

Was called about a loan, said I was approved for {$5000.00}. Then was told a deposit was going to be put in my bank account to test for any overdue pending loan payments, and I was to send it back to lender bank account. I did, then he made another deposit and told me to do the same thing, by the third deposit I didnt want to send anymore money and was told if I did not return this money I would be red flagged. I later found out this person hacked my bank account and canceled a bunch of my transactions. Which is why the money was put back into my account.When I found out I was scammed I tried to file a claim with my Wells Fargo bank account. They denied charges for suspected fraud. I am not getting this money back, and now they are closing my account for fraudulent activity. Arent they supposed to fix these problems? I am not satisfied with this decision.
Product: Student loan

The City of XXXX police IAD placed false information in my IAD file and flagged my payroll for 18 years after I retired. I discovered this on XXXX XXXX, XXXX I complained to the Department of Education about discrimination at XXXX XXXX and that the City of XXXX Police Dept was actively engaged in violating my civil rights. I filed a complaint against XXXX, DOE, XXXX for violating statute 20 USC 1082. No results, due to the stigma plus smear campaign, I have not made one payment in 14 years. I am XXXX XXXX XXXX. My income to debt ratio prohibits me from accessing the equity in my home. I filed a lawsuit in the XXXX XXXX XXXX XXXX under case no. XXXX as a pro se litigant which includes XXXX and DOE. Help is requested due police hacking emails
Product: Credit reporting or other personal consumer reports

I am writing to dispute inquiries on my credit report that I did not authorize. These unauthorized inquiries are negatively affecting my credit, and I request their immediate removal. 

According to the Fair Credit Reporting Act ( 15 USC 1681b ), consumer reports can only be accessed with my permission. Since I did not provide written consent to these inquiries, please remove the following from my credit report immediately : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My Equifax showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX. My husband and I live in XXXX, Fl. and have since XX/XX/XXXX. We were in the direct path of hurricane Irma. We had a small tornado travel, quite literally, along the side of our property, taking out about 9 large trees. We called Mr. Cooper/ Nationstar in XX/XX/XXXX, and were told about the disaster deferment, where by they would simply roll three months payments to the end of our Mortgage note. ( We were seeing our principle drop by almost {$100.00} every month, when this began ) We accepted. In XX/XX/XXXX, we got a regular Mortgage billing statement, and having already almost lost our home over escrow the very year they purchased our mortgage, I panicked and we called in. We were told to disregard that notice, that we were in the deferment. We were told that the statement was computer generated, and just hadnt caught up yet. We were told the same thing In XX/XX/XXXX. In XX/XX/XXXX, we were told they wanted us to apply for a loan modification. I argued that we can afford our Mortgage payment of {$560.00}, which includes the insurance, not the taxes. We were told it is only a procedure for our lender, who needs to know exactly why we are three months behind. We have applied for this loan modification, and had to reapply, and had to submit all of my income and expenses, and I am not on the mortgage, but am on the deed, including the foster care income for having my grand daughters given to us to raise in XX/XX/XXXX. To date, we STILL do not have this modification, they are not, and have not reported our payments that we began making again, as scheduled, in XX/XX/XXXX, since XX/XX/XXXX. Our home is a permanently affixed XX/XX/XXXX XXXX, Refinancing it is near impossible. Selling it is equally difficult. Nationstar/MrCooper has offered NO assistance to Rehab, or replace, or refinance this home. What they Have let us know is that their options are as follows. Foreclosure, Deed in Lieu, where by we surrender the home and maybe they'll give us a little money to relocate, or short sale. We filed a complaint, they responded with that. We were told that they may be able to assist with relocation, if we are able to sell this home. Then told They cant do that because we are three months behind on our mortgage. Insult to Injury that they themselves caused.What I have learned is that due to their failure to report, it looks like we have not made any payment since XX/XX/XXXX. Making lenders leary to work with us. If the loan modification completes, we wont be able to qualify for a mortgage for over a year. And we are pretty much at their mercy. 
When they bought our mortgage, they doubled our mortgage payment from {$460.00} to {$760.00}, due to insurance. We fought for three months, it took a {$3000.00} loan from our newly widowed daughter to keep our home, then. 

On our current payment history per their web site, which I do have and can provide, they arent not putting any money to our principle. Meaning that to date, they have pocketed about $ XXXX of our money. Or more.
Product: Debt collection

This company sent me a letter saying that I was dead and trying to collect form my Estate. I AM NOT DEAD! This is extremely disturbing and false. I dont even know what it is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither Equifax XXXX  or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months. 
I have attached a copy of my deferment letter to show those dates were covered during my deferment. 
I would like for this to get corrected asap.
Product: Debt collection

I am writing to formally lodge a complaint against Caine and Weiner, a debt collection agency, for their continued and unlawful attempts to collect a debt that I do not owe. Despite never having conducted any business with this company, they have persisted in their collection efforts, causing significant distress and harm to my reputation. 

Summary of the Issue : Debt Validation Request Ignored : On XX/XX/year>, I sent a debt validation letter to Caine and Weiner, requesting specific information regarding the alleged debt. They failed to provide the requested documentation, violating the Fair Debt Collection Practices Act ( FDCPA ) 1006.30a ( a ) - No Parking Rule. 

Cease and Desist Ignored : I also sent a cease and desist letter and a volunti nonfit injra letter, demanding that Caine and Weiner cease all communications and collection efforts regarding this alleged debt. They have ignored my requests, continuing to pursue the debt. 

Violation of XXXXederal Laws : Caine and Weiner 's actions are in direct violation of several federal laws, including : FDCPA 1006.30a ( a ) : They have continued collection activities without validating the debt.

18 USC 1028a : Their actions amount to aggravated identity theft by attempting to collect a debt not owed.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : They are prohibited from furnishing information they know or have reasonable cause to believe is inaccurate.

Impact : The inaccurate reporting of this debt has severely damaged my character, reputation, and general mode of living. It has adversely affected my ability to obtain credit for personal and housing purposes, causing significant financial and emotional distress.

Legal Violations : 15 USC 1681s-2 : Duty of furnishers to provide accurate information. They have reported inaccurate information despite being notified of the errors.

15 USC 1681n and 15 USC 1681o : Willful and negligent noncompliance with the Fair Credit Reporting Act. 
15 USC 1692k : Violations of the Fair Debt Collection Practices Act.

Demands : I demand that Caine and Weiner immediately : Cease all communications and attempts to collect this alleged debt.

Delete the erroneous account from all consumer reporting agencies.

Provide a free copy of my credit report after the changes have been made.

Failure to comply with these demands within 10 calendar days will result in legal action for consumer law violations. I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud FDCPA 15 USC 1692g violations FCRA 15 USC 1681 violations for willful noncompliance - 616 [ 15 U.S.C. 1681n ] Account Information : Account Name : XXXX XXXX I urge the CFPB to investigate this matter thoroughly and take appropriate action against Caine and Weiner to prevent further violations and protect consumers from their unlawful practices. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 i paid XXXX XXXX nm branch of regional finance amount of XXXX dollars to pay off my loan they gave me a receipt that was for my final payment supposedly the person on the receipt that took my payment was a person by the name of XXXX XXXX. 
I didn't think of it at the time i was happy to pay off my account. As i have with several other loan company 's that i work with. And several months later i start getting collection Calles and notices that i have an unpaid amount of $ $ $?? 
So i contact the company regional finance no longer located in XXXX XXXX nm XXXX that is now in XXXX XXXX nm. I questioned them asked why they say i still owe. They stat I didnt pay. I say i did and my receipt says the person who took my payment was some XXXX XXXX and the person on the phone says oh that's me but my name is XXXX. So i said ok well i paid you on the date stated above. Long story short said i didnt pay and that someone gave me a fake receipt. I still have a copy of my receipt that i submitted to regional finance and they still rebuttaled i didnt pay. With different stories that started confusing me this company needs to be shut down for destroying my credit and my self worth of always paying my debts. I will not pay another penny over the amount ive already paid. Need this fixed it was given to a debt collection agency and i have shown them my receipt also by email and they are still after me for wrong doing of regional finance.
Product: Credit card

In XXXX of 2023, I was approved for a Choice Privileges credit card with Wells Fargo. If I spent {$3000.00} or more within 3 months I would get XXXX bonus Choice Privileges points on top of the Choice Privileges base points I would earn. I made the required purchases by early XXXX, less than 3 months. After 5 months, I had not received the bonus XXXX points and inquired with Wells Fargo. They did an " investigation '' and on XX/XX/XXXX, called me and said I did not earn the XXXX bonus points because all of my purchases were pre paid gift cards which are excluded from earning base and bonus Choice Privileges points. I disputed this finding with the investigator, XXXX, pointing out I did not buy any pre paid gift cards. XXXX said ALL of my purchases were pre paid gift cards. I asked her if she knew what a pre paid gift card was and she refused to answer it. I told her it was a reloadable visa or master card debit card. I bought none of those. Of the over {$3000.00} in purchases, many of my purchases were merchant gift cards, like XXXX and XXXX XXXX, which are NOT pre paid gift cards. They were gift cards only spent at those merchants. Further I pointed out that all of those purchases earned Choice Privileges base points on this credit card and that showed the purchases were coded correctly. Further, not all of my purchases were merchant gift cards, as can be evidenced by my credit card statements. I asked XXXX, the Wells Fargo investigator, if I could speak with a supervisor or manager. She emphatically told me they would say the same thing. However, when she transferred me to a supervisor, this person reviewed my account and apologized to me and said I was correct and the investigator was wrong and none of my purchases were pre paid gift cards and I should have earned the XXXX bonus points. The supervisor commenced a second investigation and said it would take 10 to 12 business days or possibly longer before I would hear from them. To date it's been 8 or 9 business days and I have not heard from them yet.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account listed as XXXX XXXX XXXX  XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, XXXX, XXXX and experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On these accounts, collections, and inquiries. 
*CURRENT INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX