23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, XXXX, and Transunion are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.
Product: Debt collection

Debt on my credit karma profile with very little information on child support debt which I do not owe.. there was no information on the child, the why I owe this amount, how to dispute such debt, why I owe this much, etc.. they did not provide enough evidence corroborating such debt and if so, a reasonable payment plan if debt was owed.. attempting to garnish all my taxes and money earned without communicating with me or reaching out on the matter is completely illegal and is considered theft.. I demand fair treatment and allowed to properly dispute this issue with equal rights and proper due process as it is my right!.. I should not have debt and request this be forwarded to the proper channels so said issue is resolved in a professional manner without prejudice nor bias.. thank u
Product: Mortgage

Wells Fargo XXXX  my house and I was forced to move in 2012, even though I wasn't very far behind on my payments.
Product: Debt collection

XX/XX/XXXX I disputed a collection acct from Portfolio Recovery XXXX. I asked to them to verify the account was mine. They sent me a bill of a XXXX account that is not mine. I asked them to delete it. 

XX/XX/XXXX I dipsuted a collection acct from Portfolio Recovery XXXX. I asked to them to verify the account was mine. They sent me a bill of a XXXX account that is not mine. I asked them to delete it. This is really hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts being reported is in direct violation of my privacy as pursuant to the fair credit reporting act 15 usc 1681A section 402 and and 404 they should be removed from my credit report as soon as possible!
Product: Credit card

YOUR COMPLAINT Complaint was previously submitted by my wife, XXXX who IS, notwithstanding the institutions assertion to the contrary, a subsidiary cardholder. 

Previous complaint was CFPB # XXXX XXXX did not respond to the substance of the previous complaint. 

The previous UNANSWERED complaint reads as follows : XXXX, XXXX XXXX, agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of XXXX ( XXXX ) case of defective/damaged flooring material and XXXX ( XXXX ) cases of new, unopened flooring material. When I arrived to deliver the XXXX cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the XXXX ( XXXX ) unopened cases of material. I filed a dispute with XXXX XXXX for the one ( XXXX ) case of damaged material that was not refunded by the merchant. I supplied XXXX representative with a full email chain wherein the merchant agreed to take back ALL XXXX cases of material and provide a credit therefor. XXXX is a small fintech-type issuer and outsources their credit card operations to a company called " Co-Op '' After providing all the information to Co-Op and XXXX I XXXX a provisional credit for the {$68.00}. Subsequent thereto the provisional credit of {$68.00} was REVERSED. Upon seeing the reversal of the provisional credit I contacted XXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant claims they " already '' agreed to provide a refund. When I explained to the CO-OP representative that the merchant credit was only for XXXX ( XXXX ) not XXXX ( XXXX ) cases of material, the CO-OP representative said that there was nothing he could do and became defensive and rude. 
I requested documentation showing I received a full refund for all XXXX cases. Request denied. I subsequently contacted an XXXX employee in XXXX 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all XXXX ( XXXX ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been XXXX, perhaps out of spite, so I can not effectively monitor the account. However, I can see my account using the XXXX mobile app.
Product: Mortgage

I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender regulations.
Product: Debt collection

I 'm being repeatedly called by Portfolio Recovery Associates about a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Requirements of the FCRA Section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to Consumer. If any information that has been deleted from a Consumer 's file Pursuant to Subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion. i was never giving anything in writing within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Today, I was informed by XXXX that XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX was abused by a person through dark web. 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ca First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX  XXXX I do not know this person and I have been in U.S.A. since last XXXX and they stole our information in XXXX. 

I do not know who they are and I have no business connections with them. 

In this respect, I do not know how they received my company 's information and how such theft was fixed through digital world. 

I am 100 % shareholder of XXXX XXXX XXXX XXXX, XXXX and our XXXX number ends up with XXXX. 

XXXX is our XXXX and I was terrified when I was informed by XXXX regarding this theft and misuse of our company information. 

In this respect, I am afraid of the fact that someone would want to apply for credit/loan or credit cards through using our information. 

In this regard, I kindly ask you to do the needful and take action against such abusers that would like to misuse our company information. 

I kindly ask you to do the needful to protect my trade, banking facility and investment. 

Such bad reputation and unwanted occasions would influence our business reputation. 

Your kind proceedings would be highly appreciated. 

Kind regards, XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Several Late Payments '' which is a Transaction has been unlawfully showing on my Consumer Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies Equifax, XXXX, and XXXX to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages. 
Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Product: Mortgage

This is my fourth time contacting your office about Rushmore XXXX miss handling my mortgage account. 
Please look carefully at how they are trying to manipulate the file by posting incorrect payment amounts to my account. 

My mortgage is supposed to be {$850.00}, and there is a XXXX late fee after the XXXX of every month. But they told me the extra XXXX was for escrow, so I've been paying {$870.00} every month. They are only applying {$850.00} instead of the amount that I pay every month ( XXXX ), this is fraud and charges should be brought on this company!! 

Every month I pay my mortgage and the payments are inappropriately applied. I'm really to the point of breaking from all of this stress dealing with this mortgage co ( Rushmore XXXX ) trying to steal money every month!! 
I hope that the CFPB can do something to stop this company from stealing!!!
Product: Credit reporting or other personal consumer reports

I sent letters to the following entities to request removal of these unauthorized and unverified inquiries reflecting on my credit report for Transunion. These hard inquiries are preventing me from being eligible to become a homeowner. 

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: Mortgage

Valley National Bank has not properly setup our mortgage payment system on a new mortgage that we received on XX/XX/XXXX. 

Valley National had many issues with properly setting up their website to receive information via their 'automated ' computer way of getting documentation. They would argue with us many times, and were usually wrong about having made available auto signature documents ( e-docs ) and such. With no apologies coming from them when they constantly made mistakes. 

At the time of closing, we were told ( even after a Notary showed up at our door for all final document signatures one in Florida and the other in South Carolina ) that all was good. 

As of XXXX, we received no payment schedule. We started to get a payment request but it was back dated!!!! Can you believe this, even todaty on XX/XX/XXXX I receive a payment request for payment due of XX/XX/XXXX. Enough Nonsense!!! 

If they want us to use the checking account they sent me checks on, but no documentation on where to go to put money into the account, then send out a HOW TO MAKE THE DEPOSITS PER A PAYMENT Schedule. 

This is my 5th or 6th house, and I have never had so many issues with a bank! Each time I call the person I need to talk to is busy and does not return my calls. 

I don't think we should have ANY late fees, as this is all a mistake and lack of information and instructions on their part!!!!

My wife and I have done our best to guess at their payment schedule and have been sending in 2-3 check payments per month. 

I don't want their lack of instructions and billing payment schedules, and/or how to make payments affect my wife and my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 And 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, credit repair services, or other personal consumer reports

I have several miss payments with this company that does not have financial solution or payment arrangement where I could have worked something out. The missed payment lowered my credit score to the point I can not secure a home for my children and self. 
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Product: Vehicle loan or lease

XX/XX/XXXX a loan payoff payment was accepted and processed. Payment from XXXX XXXX In XXXX, Maryland to KIA Motor Finance ( KMF ). 
XX/XX/XXXX automated payment was taken from my personal checking account. 
XX/XX/XXXX I called KMF for the first time and I was told that the overpayment refund check was mailed to XXXX KIA to a po box that KMF had on file. 
The same date ( exact date unknown ) I called XXXX KIA and was told by the Finance Manager that the dealership had not used that po box in several years and they likely would not receive the check. The dealership recommended that I call KMF back and ask that the check be stopped and re-issued to me. I called KMF back and explained the situation to them and requested that a stop payment be made on the check and asked that it be reissued to me as requested by the dealership. A KMF rep told me that the request would be Putin their system. 
Two weeks later I called KMF to request an update and I was transferred to their escalation team where I was told that no action was taken because the dealership would have to call to make that request because the check was originally sent to the dealership. I called the dealership and asked the Finance Mgr call to make that request. The finance mgr called me back that same day to tell me the call was made and that KMF representative told them that they would submit a request for stop payment on the original check and reissue of the check in my name to my address based on the dealership request. 
On three occasions after that call, I spoke with three members of the escalation team and was told that their system showed requests but no processed payments. On each occasion, the last being XX/XX/XXXX I was told the requests would be processed and a check would be mailed within 10 business days. 
Finally, on XX/XX/XXXX I spoke with XXXX of the same escalation team and was told that KMF would not reissue the check in my name because it had to be reissued to the dealership and that they would require a phone call again from the dealership for information on where to send the check for the dealership. At no time in any of the prior phone calls was it mentioned to me that an additional call from the dealership would be required. I explained this to XXXX and she said that she cant control what other people told me and their processes are only incoming that they can not make phone calls to a dealership or to a person to tell them what additional actions needed to be taken to rectify the situation. 
Meanwhile, I have a call into the dealership, finance manager, and I am waiting for them to call me back so I can explain that they have to go through this process to receive the check and then they can issue the check to me separately.
Product: Debt collection

Upon careful inspection of my recent credit report, I identified several accounts that I think are erroneous and were added without my approval.
Product: Credit reporting or other personal consumer reports

I have been XXXX  sense 2013. I have been home for 2 yrs now o have been fighting to to get information removed with these companies I have submitted verification of ID theft reports, XXXX documentation, proof of address, Drivers license and utility bills proving the state I live in and the reports are still showing this information some will come off and a few months latter they are back on my credit profile. Also once I disputed these items and the place the back when the original dates may have stated it will remove at a certain date and year but when I dispute it the credit bureau reports it back for another XXXX to 5 years to be removed. Which makes the account way past the statue of limitations law for credit reporting even though the accounts are not mine and fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX. U.S.C XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection ACT ( CFPA ), XXXX U.S.C XXXX ( a ) ( 1 ) ( A ) - ( B ), s highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

I wanted these accounts removed right away. 
XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account name XXXX XXXX Account number XXXX - Account Name XXXX XXXX Account Number XXXX
Product: Debt collection

Capital One is reporting to all three credit bureaus that I owe {$770.00}. This is false because I did not give Capital One the authority to run my credit. This is fraudulent. I have been sending dispute letters to them but they are refusing to delete it off of my credit report, causing why credit score to suffer.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and identity theft. As a result, several fraudulent accounts and inquiries have been added to my credit report without my knowledge or consent. I am requesting, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you block and delete these accounts and inquiries from my credit file immediately.Below are the fraudulent accounts I am requesting to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Prepaid card

I was given an American Express XXXX XXXX with a value of {$100.00}. I tried using this card throughout the day and it gets declined every single time at major retailers like XXXX, XXXX, XXXX.