23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Bridgecrest/XXXX  about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Bridgecrest/XXXX, so it should be removed as soon as possible. My credit report says the estimated amount is for {$19000.00} and the account was opened on XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Bridgecrest/XXXX will not do anything.
Product: Credit reporting or other personal consumer reports

Please investigate the following account for inaccurate reporting. 

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

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in 2018 and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account XXXX XXXX XXXXXXXX After your investigation the account still is reporting late for XXXX and XX/XX/year>. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX and XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Product: Mortgage

Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.
Product: Credit card or prepaid card

Capital One ; Reservation # XXXX ; access code XXXX ; Applied XX/XX/XXXX ; We received an unsolicited offer from Capital One. We use Capital One 360 since XX/XX/XXXX, and had a credit rating of XXXX at the time of the call. 

After multiple questions from the agent in XXXX, we were denied the offer. We complained at once. When we asked if this was a scam, the call was disconnected. A call to Capital One 360 got a response of " different subsidiary and not them. '' We are concerned about fraud and unscrupulous practice by Capital One. 

OnXX/XX/XXXX, our rating wa reduced to XXXX. The agency issuing it says it was reduced by 4 points. Since it was XXXX, the deception continues.
Product: Vehicle loan or lease

XXXX is violating my right to due process. They are providing misleading and false information attempting to make they loan unfavorable for all parties.
Product: Student loan

I was a student at XXXX XXXX XXXXXXXX, I was told that after competing my degree that the school will help me get a job in my field. I field over 100 application for a job no one called or offered me a job. I completed my education on XXXX. 
After few years my financial situation got bad and I had to file for bankruptcy. 
I'm now XXXX  years the only income I receive is from Social security. {$950.00} a month. 
Thank you
Product: Debt collection

I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.
Product: Credit reporting or other personal consumer reports

Requested the verification of all address listed on my report and the removal of addresses listed on my report. The only address that should be listed on my report is my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX    XXXX    XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B  and 623 ( a ) (  6  ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Product: Debt collection

I called Capital One and asked them to contact XXXX XXXX XXXX, and tell them that I have resolved the account with Capital One. I was told to send all Info to Capital One and it would take three months not thirty days to resolve this. I only owe Capital one XXXX dollars and XXXX XXXX XXXX states I owe the XXXX dollars along with verbage like SERIOUSLY PAST DUE DATE, ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT XXXX & XXXX ; XXXX INTERNAL COLLECTION DEPARTMENT. This statement by XXXX  is on my XXXX  Credit Report and I have disputed it and it still remains. I have all documentation to back this up and It will be attached.
Product: Vehicle loan or lease

We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXXXXXX
Product: Debt collection

Hello, Im writing to manifest Proper action. Ive received countless measures of communication from Debt Collector William Rush & associates. On XX/XX/year> I requested the company not contact me via text message regarding the matter anymore or there Will be a violation fee of {$1000.00}. The company responded and verified that the information was noted into my account. On XX/XX/year> I received communication Via text message from this debt collector once again regarding the same matter. This was a complete violation of my consumer rights and my request. On XX/XX/year> The representative of William Rush and associates Received a certified letter from me that was signed for. In this letter signed and received by the representative were The violations to my consumer rights, Photo proof of the text Communications and violations, And also an invoice in the amount of {$1000.00} to be paid Upon receipt of the letter. No further actions have taken place. I reached out to this debt Collector via phone and spoke with the companies representative Who is in charge of receiving certified mail. Although her signature is signed on my return receipt for my certified mail, she states that she never received Notice. She requested that I email a photocopy of my return receipt to ( XXXX ). I provided a photocopy of the return receipt on XX/XX/year>, As well as everything that the letter and invoice included. Ive received no response nor payment to satisfy the violation cost. I am reaching out to you to resolve this matter promptly.
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, XXXXXXXX XXXX  XXXX Inquiry, XXXX : Inquiry, 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.

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the XXXX XXXX breach and that my identity was compromised, used, and found on 86 sites across the dark web and that I have filed identity theft with the fta & cfpb & they still have not corrected these unlawful errors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX NAVY FCU- XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Didn't mean to apply for report. Hit the button on accident.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance in the arbitration process concerning my credit report. 

Credit Card Issuer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Furthermore, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that all three credit bureaus engage in an arbitration process with XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Product: Credit reporting or other personal consumer reports

I took out a loan from this company in 2023. I had previously done business with them and paid all previous loans on time as agreed. Shortly after taking out this particular loan, my bank account information tied to my automatic ACH/debit payments was compromised, so I notified Possible to postpone the scheduled payments until I could get a new bank account and debit card issued to connect to my account to make payments. I was offered the option of paying by money order, which I did not want to do. On XX/XX/2023 I received an email regarding my payment status, which clearly stated that I could use the XXXX XXXX website to submit my remaining payments. It took a few weeks to get my new account information, and on XX/XX/2023 I received an email stating that my account needed to be paid in full by XX/XX/XXXX in order to avoid charge off. Again, it referred me to their online services department to remit payment, which I did. I logged in and paid off my loan in full on XX/XX/2023. I did everything on my end, but this company failed to process my payments for over 10 days, which put it past the XX/XX/XXXX deadline for the chargeoff. I called and emailed multiple times prior to XX/XX/XXXX to see why they had not processed my payment and closed the loan on the XXXX and I was told that they wanted me to pay by money orderdespite having sent multiple emails advising me to pay online via debit card. This has resulted in a derogatory mark on my credit and I am in the middle of trying to buy a house for my family. I have all of the documents to back up my claim that the loan was paid on the XXXX, and then they CANCELLED my payments over a week later in order to charge it off. I want this removed from my report immediately to reflect the account being paid as agreed and NOT CHARGED OFF
Product: Credit card

I have a questions.Last year I received noticed about the {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices class action lawsuit that was filed again citibank. 

IN the letter I was told I was affected and that I did not have to do anything in order to receive compensation. 

SO far I have not received any compensation and was wondering if I need to actually file a complaint with a lawyer or not? 
I had owned there credit card protection service for many years and have paid thousands for the service. 

Can you please advise as to what I need to do.
Product: Credit card or prepaid card

I earned {$10.00} reward at JCP store toward future purchase. Expiration date of reward XX/XX/20 On XX/XX/20 I made purchase at same store. They refused to honor reward. In response to my complaint JCP advised the store was only honoring rewards up to XX/XX/20 hence no adjustment. 

Such terms were not stated yet enforced when questioned. Clear deception. 

I would like this matter pursued to stop such unethical behavior. 
' I will attach documents if this system allows. 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and Transunion has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Product: Vehicle loan or lease

I returned my leased vehicle to the dealership that I bought it from prior to my payment due date. This was because I fell upon financial difficulties. Honda finance told me if I returned the car that they would call it a repossession on my report. Until then I had never missed or been late on a payment and this was my fourth Honda. I disputed the dishonest claim of repossession and nothing has been done about it. This is extremely unfair and I feel that it should be labeled properly because nobody repossessed my vehicle. How can the lie be changed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I settled my debt with XXXX XXXX through its collection agent, XXXX XXXX XXXX. I have been trying to get TransUnion to fix that information since then. I have disputed the information more than once and provided them with WRITTEN PROOF of the settlement. Despite this, they keep saying that the information is being verified as accurate. I have a separate complaint filed against the original creditor and the collection agency regarding that. But how can TransUnion ignore my WRITTEN PROOF? What is the point of disputing inaccurate information if the reporting agency ignores written proof? I feel like this is a willful FCRA violation.
Product: Mortgage

Service Finance Company , LLC secretly charged my account various fees when a 3rd party inquired about the payoff balance. According to the contract I signed with Service Finance Company , LLC, there are no fees related to pre-payments / early payoff and in addition, I did not receive any fee disclosure from the company regarding any fees related to the early payoff and/or inquiry. 

If Service Finance Company , LLC charges fees for 3rd party requests they should charge the 3rd party or must reach out to loan holder to actually confirm and communicate any additional charges ( hence " Fee disclosure '' ).
Product: Mortgage

We have flood insurance for our home in Florida and we have since we built it in XXXX. Please see the attached XXXX XXXX XXXX page. Even after being sent proof of this 5 times, Wells Fargo ( WF ) has been stealing money from our checking account to pay for a " forced flood policy ''. We were told on XXXX XXXX by a WF banker the issue would be resolved in XXXX10 business days. Did not happen and they have continued to steal money from us. Please note -- WF did the same thing to us 2 years ago, which we will address later once we clear this current incident up. More detail : We began getting letters from WF last year that we do not have flood insurance and need to get a policy. Each time we got a letter, we acted on it, first by notifying WF and sending them proof of insurance, then later we began taking the letters to our XXXX agent and having him verify the policy to WF. See the attached copy of the last letter from the agent. In XXXX we noted that WF debited our checking account for more than the mortgage payment and were told by XXXX XXXX, a local WF banker, that they took extra money to pay for a forced flood policy. After a conference call to our XXXX agent, he told us this would be resolved in XXXX10 business days. About a month later on XXXX XXXX, we called him and left a message that nothing was resolved and that he should check to make sure WF was not going to steal more money from us in XXXX. As you can see from the attached letter from XXXX, WF stole from us again in XXXX. XXXX also told us that WF was unable to reimburse us for the money they stole until they got the funds back from the insurance company, which we informed was ridiculous -- they need to give us back the money they stole immediately.