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

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX Account ending in ( XXXX ), opened in XXXX XXXX, which has negatively impacted my credit report. I have submitted XXXX reports, but this keeps getting confused with the other XXXX account I have on my report ending in ( XXXX ). Here are the relevant details of the situation : XXXX. XXXX XXXX : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. XXXX. Issue with Reporting : XXXX has been incorrectly reporting a XXXX late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/year> ( This is inaccurate. ) Date of Last Payment : XX/XX/year> ( This is inaccurate as well. ) Date Closed : XX/XX/year> ( While this is correct, the context is being misrepresented. ) XXXX. Incorrect Reporting Practices : According to my communication with XXXX, they claim the XXXX late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not XXXX days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame. Attachments Chartway check.jpg
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are legally required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate or outdated information. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers like XXXX must ensure that any reported information is accurate, complete, and verifiable. If they fail to do so, they are obligated to delete or correct the information. Despite my previous dispute and XXXX removal of this account, XXXX and XXXX continue to report itraising serious concerns about compliance with federal law. This failure to update or remove unverified information is not only unfair but also a clear violation of my rights under the FCRA.
Product: Mortgage

My Mortgage company sold my loan to another Mortgage Servicer. The property was given to me fully by my divorce judge and I have faxed the new Mortgage company the Decree several times asking them to recognize me so I can continue to pay the loan, as I have for over 20 yrs. My Maiden name is on the deed as well. Now they will not let me speak to billing or send me a statement, I just keep paying the payment, but have little authority. I have asked to speak with a supervisor and have been waiting on a call that is probably not happening. When I can explain the situation to someone they have me to explain it but then say, they can't do anything, hours wasted. He lived here for about a year ; I for 22 years.
Product: Debt collection

Notice : XX/XX/XXXX " please be advised that we have elected to close the above reference deposit account. You are no longer able to conduct any transactions utilizing the deposit account reference above ending in XXXX '' Notice : XX/XX/XXXX " please be advised that we elected to close the above reference deposit account ending in XXXX effective XXXX your ( XXXX XXXX ) account was closed '' Notice : XX/XX/XXXX " negative balance of {$38.00} for account ending in XXXX, your account will be closed on XXXX '' *Notice : XX/XX/XXXX " overdrwn amount {$68.00} in account ending in XXXX the account balance owed may be reported to consumer reporting agencies which may prevent you from obtaining services at other financial institutions. '' *Notice : XX/XX/XXXX monarch recovery collection reference number XXXX monarch recovery management collection effort, total amount of debt {$68.00} Notice : XX/XX/XXXX check received from US Bank for {$3.00} Notice : XX/XX/XXXX received a check from US Bank {$36.00} with an apology I do not accept their apology. I did not cash either of the checks I received from US Bank. I have applied for checking/debit card accounts at other banks. I was denied approval for every one of them.
Product: Debt collection

I have been having an ongoing dispute with Portfolio Recovery Associates that has been running for over a year now without resolution. They are reporting when I have never entered into any agreement with them or been provided any services by them. They have never verified the alleged debts that they are claiming. They are collecting without any permission. In fact, the accounts they are claiming to be collecting on dont even exist on my credit. Despite PRA stating the limited documentation they mail in response to me establishes validation they havent accomplished that yet to date as emphasized in the many disputes and complaints I have filed against them. 
That said, I was pleased to find that they were closed and removed from my XXXX   credit file as of XX/XX/2020. I am hopeful that these accounts stay off of my credit for good in keeping with PRAs failure to properly prove these claims. I also am putting this complaint through to the CFPB in the hope and expectation that these accounts will be similarly removed from my XXXX  and XXXX credit files in the same way that they have been removed from XXXX  and that they permanently remain off my credit reports.
Product: Credit reporting or other personal consumer reports

My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.
Product: Debt collection

This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/ ( Originally XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX  XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX us dept of edu account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX XXXX  XXXX  account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).
Product: Mortgage

Mortgage company refused to provide any kind of payment arrangements, provided them with a copy of a sale contract and still continued with the foreclosure sale. Foreclosure sale was scheduled for XX/XX/18 at XXXX yet the Certificate of Sale was time stamped with XX/XX/18 at XXXX before the sale took place.
Product: Debt collection

I have received 2 charges from Insight Capital that I did not authorize. Today I received a notification again that they attempted to withdraw money from my account ( without prior authorization ) but luckily my account is overdrawn so they weren't able to. However, every 2 weeks, during my payday they withdraw money from account without consent.
Product: Checking or savings account

I had difficulty using my debit card - transactions were declined both at merchants and at ATMs. The bank 's customer service kept asking to try again and again, with screenshots to show that the card is not working. They even asked me to go to a ATM right away or to make a purchase right now, when all I was asking was for them to send me a new card.
Product: Credit reporting or other personal consumer reports

I do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX XXXX account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} Funding Date : XX/XX/202XXXX XXXX
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 15 USC 1681. 

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.

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried fixing this problem since XX/XX/2020 the " EXPERIAN '' did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XX/XX/XXXX 2020.i am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove these inaccurate accounts from my report immediately.
Product: Checking or savings account

As of XXXX, I began to notice some fraudulent activity on my checking account. It was then that I notified my bank by way of physically going into the bank as well as by calling the fraud department as they had suggested. After doing I disputed several transactions that were not familiar to me and was told that I would be issued a provisional credit and after receiving the documents in the mail, I should fill them out and return them to the address enclosed. After doing so, without warning the provisional credits were reversed from my account causing a negative balance and always coincidentally close to the date of my direct deposit, leaving my account without any funds causing me to overdraw my account in order to buy basic necessities for the month. This has continued and still continues. Upon requesting evidence to support the allegations that the disputed atm/debit card transactions were performed by myself and/or my wife because the patterns of use and the places that were used to withdraw funds from the atms etc. were consistent and that the photos that they had in their possession were the same people in all of the photos!!! I have called them and requested the documents that they claimed to have to support their findings and they informed me that they were not able to release that information. That says to me that they know me and what I look like and that isnt true. 
After conducting my own research I have learned that XXXX XXXX has had a data breach/hacked leaking personal information and has also been fined by the federal government for opening accounts in customers names using their personal information without their consent. When the breach occurred in XX/XX/2022, is exactly the same time that the fraudulent activity soared and the fraudulent transactions and other fraudulent activity such as fraudulent account numbers appeared on our accounts. I have recorded conversations between individuals and myself and many of them dont appear to be legitimate conversations with legitimatXXXX XXXX XXXX employees. I have screenshots of my account that have account numbers and information that suggests that someone has hacked into my account and opened an investment account in one or both of our names. After inquiring about the account numbers that were listed on my account both at the bank and by calling the fraud department, I can not get a straight answer and I have been unable to find the appropriate department to get an answer. Since XXXX, I have had to question many transactions that have occurred on my account and after being given the provisional credits the same pattern of reversal of funds continues many of which I have not been given an opportunity to submit documents in support of my claim of fraud! I am sure that the evidence that I have in my possession is indicative of fraud and unauthorized access to my accounts!
Product: Credit reporting

There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Experian. Experian has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Experian to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Experian have failed to provide me proof that I authorized these inquires. Experian has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX a call was made to CarMax requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the two bank accounts payment processed through just the one account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and Credit union. No funds had been refunded from the finance company side. This issue has caused my credit score to drop XXXX points on XX/XX/XXXX. 

I was also told its a 10 day grace period on late payments for XXXX and payment must be made before XXXX XXXX to process the same day. My payment was made and if it was processed correctly in with the correct two bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.
Product: Credit reporting or other personal consumer reports

Yesterday and for over a year I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.
Product: Debt collection

I am writing to formally dispute the debt referenced above, which you claim I owe. After reviewing my records, I believe this debt is inaccurate, and I request that you cease all collection activities related to this matter until you can provide proof of the debt. 

The reasons I dispute this debt are as follows : This debt is not mine and The amount is incorrect. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with validation of this debt, including : The original creditor 's name and address A statement of the amount owed Proof of my responsibility for this debt Please note that you are required by law to cease collection efforts until the debt is verified. 

Additionally, if you have reported this debt to any credit reporting agencies, I request that you inform them that the debt is in dispute and provide any relevant documentation as required. 

I look forward to your prompt response to resolve this issue, and it being removed from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I went to schedule XXXX XXXX with this company and wanted to pay cash. This company requires you to go online and get a voucher instead of paying cash. I had the XXXX done and presented my voucher. I then received a bill for {$410.00} from XXXX XXXX. I called them beginning XXXX to talk to them about the invoice because the voucher specifically states it covers XXXX XXXX AND XXXX fees. The first two people I talked to had no idea what the voucher was. I talked with XXXX on XX/XX/14 and see said they received the copy of the voucher I sent and it was on hold waiting to be adjusted. Then I receive a call today from the creditor and something in the mail. This is not a bill that I owe and the fact that I have not heard anything from the servicer after repeated attempts, I would think this would have been taken care of.
Product: Mortgage

In XX/XX/2005 I went looking for a remodification of my loan I was told I could not do this because I was current and was advised the only way to remod was stop paying my mortgage I was on an interest only loan afrer I stopped paying my interest only payments and was granted a remodification my principal was increased from {$600.00} XXXX to {$680.00} XXXX  without me having any knowledge of this happening I feel this is a very unfair practice and considered predatory lending practices for the last 13 years I have been paying interest on top of interest in essence paying double interest. this doesn't seem fair .as I was not informed
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my account and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, XXXX ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX  XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) 10 ) XXXX  XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX ( XX/XX/XXXX) 13 ) XXXX XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/XXXX )