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

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX Equifax Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX  service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my XXXX XXXX as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. TransUnion continues to report because XXXX XXXX XXXX continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
Product: Mortgage

Approximately a year ago I applied for a VA mortgage loan through DHI Mortgage in XXXX XXXX, FL. after submitting {$5000.00} deposit on the house. For several weeks two or more individuals withing this organization requested financial information which was provided as many as XXXX times either by email and/or fax. During this ordeal I was assured numerous times that any of the items provided was the absolute final item needed ... only to followed by yet numerous additional items ad nauseam. The process became so overwhelmingly redundant with unprofessionally absurd with duplicative requests. When it was an obvious given that DHI had no intention of approving the loan, I requested my down payment returned which they denied under the blatantly false pretense that I refused to provide them with information. A stalemate was established in that DHI vehemently refused to approve or deny the loan so that the {$5000.00} did not have to be returned. Under advice from my realtor, I sought another home through another builder which happened to be of greater value with another lending institution. Providing the very same financial information provided DHI days/weeks prior, my loan was approved smoothly for the new home purchase. During this more professional association, we were complimented on how pleasant it was to have effected the loan in an expeditious manner including the submissions of financial information in a concise and accurate, timely manner. Additionally during the time frame just prior to the DHI ordeal, my primary residence was refinanced which was a second mortgage loan approved by yet another lender ... again with the same financial information provided. Bottom line ... DHI refused to approve the VA mortgage loan purposely to prevent refund of down payment!
Product: Money transfer, virtual currency, or money service

This is my 4th complaint against PayPal going back to an incident that started in XX/XX/2017. PayPal Answered the first two complaints. In the reply to the first two complaints XXXX XXXX XXXX, Operating Counsel sent me an attachment supposedly showing that the money was put in some account which I proved was not mine I then sent a third complaint proving that the money never got into my Paypal account. My third complaint was never answered by XXXX XXXX or Anyone at Paypal. Why? I mentioned in my complaints that I am not going to let a Multi Billion dollar company use their size and legal team to take advantage of me. I am a senior citizen, a XXXX XXXX XXXX Veteran living on a very limited income, this {$190.00} is a lot of money to me and is a pittance compared to the vast amount of money in your charge. Certainly XXXX XXXX has better things to do than try to deal with me. Is this an ego trip for You or your company. Are you making a mockery of the Consumer Financial Protection Agency? That I have to go through all this bullying by PayPal to get {$190.00} just blows my mind. My name is XXXX XXXX XXXX and my phone number is XXXX, If I do not received a satisfactory reply within 2 weeks, I will send all my correspondence to the each Member of the Board of Directors of PayPal.
Product: Credit card or prepaid card

back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..
Product: Credit reporting or other personal consumer reports

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to have my personal information corrected on my credit report with both XXXX and Experian, but unfortunately, these attempts have been unsuccessful. Despite my efforts, the incorrect information has been repeatedly marked as " verified '' without any explanation or proof provided by either reporting agency. 

I have requested the removal of incorrect addresses and alleged employers from my report, but as of 41 days later, these inaccuracies remain, with no justification from either XXXX or Experian. Additionally, Experian continues to display incorrect variations of my name, despite clear instructions to correct this. 

Enclosed are copies of the letters I previously sent, along with proof that both XXXX and Experian received these letters. Despite this, the false and unverifiable information continues to appear on my credit report. 

I kindly ask for immediate action to rectify these issues and provide a clear explanation of the " verification '' process used to confirm these inaccuracies.
Product: Debt collection

Forster and Garbus sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same XXXX debt. This money should be barred according to NYS law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting a frad XXXX  XXXX bankruptcy on my credit report. I have sent them my FTC and police report several times telling them to delete the account. This is a violation of my consumer rights. The bankruptcy was deleted and then they put it back on without giving me a 5-day notice. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discover Card, headquartered XXXX XXXX XXXX XXXX, XXXX, IL XXXX operates in interstate commerce as a debt collector for merchants within interstate commerce, and as such Discover Card/XXXX XXXX CEO fail to comply with the provisions of Fair Debt Collection Practices Act, 15 USC # 1692 -- 1692p. Discover Card does not comply with sections 808 & 809, Discover Card financial relation/ in essence conspiring with merchant XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX involving unauthorized charges of {$50.00} mo. XX/XX/2020 and following. DiscoverCard is similarly involved with other merchants and is not an unbiased third party regarding merchant debt collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, my personal information is incorrect. I notified XXXX, XXXX, and Transunion more than 60 days ago. XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I was a loyal customer of XXXX for more than 4 years. i disconnected XXXX services on XX/XX/XXXX and transferred my services to different service provider and ported all active mobile numbers. I also talked to XXXX customer services representative ( XXXX  ) on XX/XX/XXXX and confirmed that the account has been deactivated and will be closed. She confirmed that XXXX will charge {$140.00} on XX/XX/XXXX for service period ( XX/XX/XXXX - XX/XX/XXXX ) because the billing cycle has already initiated. but in next billing cycle XXXX will reimburse me for the un-used services from XX/XX/XXXX ( service deactivation date ) to XX/XX/XXXX which is approximately {$70.00}. 

I lost XXXX online account access on XX/XX/XXXX after the services were de-activated. 

On XX/XX/XXXX, XXXX instead to reimbursing {$70.00}, charged {$64.00} on my credit card. On talking to XXXX Customer service representative i discovered that XXXX activated XXXX XXXX XXXX. this line was deactivated more than 2 years ago. I didn't requested XXXX to activate any line and this line did not have any sim card associated to it. it didn't had any call history or data history as nobody was your this number. I was assured that XXXX will deactivate the line and try to reimburse me. 
Based on that conversation and previous Customer service experience. I requested XXXX XXXX XXXXXXXX to put a hold on any new charges from XXXX and also initiated a dispute on credit card charges for {$70.00} and {$64.00}. which bank XXXX XXXX reverted back on XX/XX/XXXX. This were the exact amount that XXXX promised to reimburse. 

In order to avoid any mis-understanding and get updated status i talked to XXXX  representative ( XXXX ) on XX/XX/XXXX at XXXXXXXX XXXX. XXXX confirmed that there is no Balance due on the Account and the account is closed. 

Now, Even after multiple confirmation XXXX representatives, XXXX has sent the account to the Collection agency ( Diversified Adjustment Services, INC ). They want to charge me for un-used services, Refund charges and late fee. where as i don't Owe they anything. the account balance is {$0.00}. which was confirmed by their multiple representatives. 

XXXX  conduct is unfair, I have been their loyal customer for XXXX  year, have always made every payment on time as well as appropriately submitted request to closed the account and paid all balances. I am still being forced to suffer from unfair monetary and mental pressure. I Request CFPB to take appropriate action and help me resolve these credit issue.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One XX/XX/XXXX before my payment was due. I lost my income with no prior warning. I had absolutely no means to support myself. I was also thrown out of my home by my spouse. I contacted Capital One as I did not want my payments to simply be ignored. I have been working to restore my credit for the past few years and I could not risk jeopardizing my credit due to non payment on my credit cards. I explained my circumstances to Capital One and I was advised there may be something they could do to help me. I was placed on hold and then a specialist picked up the line and told me that all cards are recorded. The gentleman on the phone told me that there is a program that may help. The man told me the program, their Specialty Assistance Program will wave the late fees ( past due fee ) for 3 billing cycles. I stressed the fact that I could not afford to risk my credit cards payments to be late and destroy my credit. I told him that everything is based on credit ( landlords do credit checks, car insurance companies, banks, employers, etc. ). I told him I understood if there was nothing Capital One could do for me. The credit card is my responsibility and failure to able to make monthly payments could potentially ruin my life. I was informed this program could help me for 3 months. I kept telling the Capital One specialist I could not afford to have any negative reporting to my credit report. He told me this would not affect my credit. He told me that Capital One allows for customers to utilize this program in extreme situations, which mine was. He assured me that there would be no negative impact on my credit as long as I caught up on my payments at the 3 months. 
The beginning of XXXX, I started receiving emails from Capital One stating my payments are late. I also received emails from XXXX XXXX stating there was negative reporting on my Credit Reports. The negative reports are from Capital One for late payments. My credit score dropped over 90 points. I contacted Capital One chat and was told that they were sorry I was misinformed about the program. That Capital One offers the Specialty Assistance Program and reports all missed payments to all the credit reporting agencies no matter what. I told the online chat rep. that I would have never agreed to a program that would ruin my credit. I asked why anyone would agree to such program if it basically destroys your credit anyway? I requested a transcript of the phone call. She told me she did not have access and that I would have to call Capital One. I called the next day and requested transcripts and they still have not responded. I am still struggling with no income. I can not barely afford to eat and I reached out to Capital One instead of ignoring them due to my inability to pay. I was offered a temporary solution and in turn they did exactly what I was afraid of and what I was told they would not do. And lastly, they have added interest which no puts me over my credit limit. I couldn't pay my bill before that. I sure can't afford to pay over my credit limit.
Product: Consumer Loan

I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX I completed the payment loan in full, on the year XXXX XX/XX/XXXX a payment was due and was paid on XX/XX/XXXX a 33 day late post something was wrong with the autopay with the updated banking account, I called to explain the issue but they didnt get the payment correct on their system update, I would like to please, please remove this off my credit report
Product: Checking or savings account

I file multiple complaint to Bank of America To removed my email From their system I file a complaint on XX/XX/2021 I was told my email was removed And I would not be getting any more email from Bank of America Because I was harassed by 3 employee XXXX and XXXX and XXXX who Harassed me Multiple times and was told to removed my email On XX/XX/2021 I received an e-mail from Bank of America I would like to know where I can press charges Against Bank of America For continued to used my Email to harass me
Product: Credit reporting, credit repair services, or other personal consumer reports

CEDARS BUSINESS SERVICES are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for XXXX  years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention XXXX, XXXX, and Equifax. I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my Passport and a utility bill for proof of address. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. I also have a notarized letter stating that it is me that sent this dispute through the CFPB that is also attached.