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

I entered the loan modification with XXXX XXXX XXXX XXXX. The checks were supposed to be automatically debited and for some reason this associate mustve input the wrong check number therefore causing the check to get returned this is not my fault and then reported it being late I have resubmitted to avoid this error and submitted a copy of the check along with the date as soon as I was notified that the payment was returned. This is an error and, the late payment stated in XX/XX/XXXX and the late payment in XXXX should be removed and updated as current
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital ones has cited technical difficulties which may violate the Electronic funds transfer act as it requires timely access to my funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are being upheld.
Product: Credit reporting or other personal consumer reports

I would like XXXX XXXX Experian to remove an account that they are inaccurately reporting under my credit report. This account is under XXXX. XXXX XXXX and they responded that this account is past the statute of limitations. This account was unable to ever be validated under 15 USC 1692g. The two credit bureaus failed to provide legal documentation that this account actually belonged to me. I am disputing this account as inaccurate and unverifiable. XXXX has already removed it due to its inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto reported to XXXX and the other credit bureaus probably an {$8.00} charge on the total balance of my installment loan. Bureau says they just list what Ally tells them and Ally says they don't see that and checked my credit to do so. I will file a dispute but that already has been listed on my credit report and is making my report look bad. I will have to file disputes with the other bureaus as well. I am never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the enclosed letter.
Product: Credit reporting 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 XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of one Bankruptcy ( below ) on my Equifax, XXXX and XXXX  credit report ( s ) due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible. Bankruptcy Ref. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, Both XXXX XXXX XXXX and Nordstrom XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the Nordstrom account in more than 3 years. For the last few years, I've only made monthly payments on Nordstrom account ( and no new charges ). Nordstrom reported account delinquent to XXXX XX/XX/XXXX. In addition to that, Nordstrom keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. Nordstrom keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to XXXX. XXXX keeps allowing Nordstrom to make repetitive account closed postings to my credit report. XXXX refused to remove inaccurate data. 

Furthermore, I provided to XXXX proof of bank transactions showing account payments to Nordstrom. In addition to bank account payments, I provided Nordstrom 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, Nordstrom posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can Nordstrom be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. Nordstrom is not applying payments to the account balance. 

Finally, I provided payment documentation to XXXX and XXXX keeps reporting inaccurate information provided by Nordstrom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!
Product: Debt collection

Capital One Auto Finance is reporting false information to my credit report and is attempting to collect a debt which is not owed. Capital One Auto Finance is claiming that I owe {$250.00} for a vehicle which I paid for in full. I have disputed this account and requested Capital One Auto Finance send me full payment history of this account to prove that this account is accurate and complete. Capital One Auto Finance refuses to comply with the FDCPA. I do not owe {$250.00} and this account has been paid in full yet Capital One will not update the file. Capital One 's negligence is harming my credit worthiness and my ability to obtain credit.
Product: Credit reporting 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 15 USC 1681. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

In XXXX we filed Bankruptcy and it was approved. We continued to pay our mortgage and the chapter XXXX was approved. After the approval of the bankruptcy we received a letter from Wells Fargo Mortgage asking us to reaffirm our mortgage. We went back to the lawyer who handled our bankruptcy and we were told that in NC we could not reaffirm a mortgage. At this point we did nothing. 

After the bankruptcy was granted we approached Well Fargo for a loan modification as we had a 6 3/4 % loan from XXXX. We were denied this request as we were current in our payments.We were told we would have to miss payments before they would talk to us. We stopped payments. Within XXXX months we got a call from WF about the payments at which time re requested a loan Mod, we were put in contact with that dept. and after time. denied a Mod. Back and forth for months and the foreclosure process was pu into process by WF. Meanwhile we are still working on the loan Mod. 

The house was due to be foreclosed on in XXXX XXXX?, we had XXXX weeks before we were out and a court appearance was scheduled. 

We received a letter from WF saying they would grant us a modification and we received paperwork. When we applied for the loan mod. we owed aprox. {$120.00} with a XXXX rate. and a {$1200.00} payment With the Mod. granted the new payment would be {$1100.00} at XXXX rate and a new mortgage of {$140.00}. We accepted as we did not want to loose the house. 

We had XXXX prior years with perfect credit and never missing a Mortgage payment on XXXX different Mortgages and WF bent us over the barrel and did almost nothing to help. 

Our only income at this time was S.S. with a combined net income of {$XXXX} with XXXX month Mortgage of {$13000.00} which left us with $ XXXX.to live on which is {$XXXX} a month of which {$XXXX} a month was going to medical insurance over and above XXXX. 

As for the loan modification request, we had to submit the application XXXX or more times as they kept lelling us they never received the paperwork and at the time we had the fax receipts to prove we faxed the documents. XXXX finally fixed the problem as someone had to sign for the package. 

All we ever asked WF for was a lower interest rate and we got nothing.
Product: Credit card

Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took a personal loan out with Ally Bank through XXXX XXXX XXXX in the beginning of XXXX. I received an email on XX/XX/XXXX that my first payment was due on XX/XX/XXXX. I made my first payment on that date. A few days later I received an email that there was an error and my first payment was due on XX/XX/XXXX XXXX I made my payment of the due date that I was told. The end of XXXX I received notification that my payment was late. I called and explained the situation and was told the late fee will be reversed. XXXX I made my normal payment and a few days later I received another notification that my payment was late. When I called customer service I was told my request was denied and i will have to pay the late payment. I explained that is is a financial burden because i am on a fixed income. I work part time but because of Covid my job is shut down. Now the late payment is doubled since I did not make the first late payment. I tried to explain that this was an error on their part so why should i be punished But they dont want to listen. I am at my wits end. If you can help I would greatly appreciate it.
Product: Debt collection

The collections account was opened XX/XX/XXXX and. Did not receive any contact from this company until I contacted them on XX/XX/XXXX. Upon my request for them to provide me with documentation proving this debt was valid, I received documents that lacked the specific documents as required under XXXX XXXX XXXX which hold that when the company collected a security deposit from me it was required to conduct an inspection and create a move in checklist to be signed by all parties and furnished to all tenants which they failed to do. Also the rental agreement is not valid under Washington state law being that the agreement has clearly been altered without the consent of all parties which was required to reflected by all parties adding their initials to show we acknowledged the information being added and agreed to it as part of the rental agreement. Genesis credit management did not properly investigate the validity of this debt. This account has already been investigated and removed my Transunion report as of XX/XX/XXXX but Genesis credit management has not reported this information as required to all CRA they reported they have reported to.
Product: Vehicle loan or lease

My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.
Product: Debt collection

I attempted to renew my vehicle registration and was advised by the DMV that there is a hold on my registration due to a debt owed. DMV referred me to XXXX XXXX XXXX XXXX who then referred me to Professional Account Management Collection Agency. 

I was told I owe {$160.00} for a bridge toll back from XX/XX/2018. I advised them I never received any notification or bill for this. The representative confirmed this by telling me she can see in my file that the mail was returned. I confirmed my address is correct but am not sure why the mail was returned. She also confirmed that over {$120.00} of the debt owed is for fees. 

Naturally, I was appalled to learn that I am being charged over 1000 percent markup in fees for using a bridge once. I don't even recall using the bridge because I have my GPS set to avoid toll roads but even if I did, it is quite surprising and disturbing to pay {$160.00} for one toll, especially when the collection agency confirmed I did not receive any notifications or bills. I also did not receive any phone calls or voicemails. 

I asked if there was any way to reduce the amount of fees and I was told they can not reduce it in the slightest. I also tried calling XXXX XXXX XXXX XXXX directly and they were extremely rude stating because their records showed they mailed me something once almost two years ago that there was nothing that could be done. She kept directing back to the collection agency who told me they couldn't do anything either. 

Now, I am in a position where I can not register my vehicle and do not have enough money to pay the full amount. Sadly I have run into quite a few people who have told me they have or are currently experiencing the same issue. 

It is very clear XXXX XXXX XXXX XXXX as well as their collection agency are taking full advantage of customers/citizens by price gouging over 1000 % off of one toll and by putting holds on people 's vehicle registrations, forcing us into very compromising situations so they can make a profit. Where is the money going they are making in fees on a regular basis? 

The fact also still remains, as the collection agency confirmed, I never received any notice of the debt, nor did I receive a right to dispute notice or a breakdown of what I am being charged.
Product: Debt collection

XXXX XXXX XXXX hired a debt collection agency, Portfolio Recovery to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of XXXX XXXX  and Portfolio Recovery. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. XXXX XXXX requested to see a police report and I sent them three different ones to different departments over and over again. Portfolio Recovery also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is a Third Party collector called XXXX ( Professional Management Management ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX, I received their threating letter on XX/XX/21 a collection notice for XXXX dollars stating that XXXX XXXX Police XXXX got a citation fine for parking more than 2 hours in the inlet. I called customer service to dispute the charges or/when and how this happened. 

I called today XX/XX/21 and spoke to customer service and stated that this was for XX/XX/21 which was accurate, but I stated that I paid my ticket there. So, I requested to be waive off as a first time, something that it was not possoble according to them, because it was overdue. 

I said to them that I never received the 2 dollar differencce bill in the mail requesting that hour to pay it off. XXXX claimed that they sent me previous notices in the mail to my address in West Virginia which is a lie. I never received anything in the mail previously. This is a complete scam and needs to be investigated inmediately. There are hundreds of complains already. I hope you can do something about this to protect custumers in this country. This company is ripping people off.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Trans Union on XX/XX/2020 to dispute an account which i don't recognized on my credit report, Trans Union told me they will do so, I got a letter on XX/XX/2020 file number : XXXX that this account is deleted, but when i checked with Trans Union on XX/XX/2020 the representative : ( Name : XXXX XXXX ) told me that she is not sure why its still reporting this account, because based on their information the results should be deleted, and she can't understand why its still reporting, and representative was also not sure which XXXX XXXX account i'm referring and first told me a different account was deleted, when i advised her that she is not referring to the right account she told me she is not sure what happened her.
Product: Debt collection

I have reached out to XXXX XXXX on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both XXXX XXXX and Ally financial.