23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. 

I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. 

I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. 

The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. 
Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. 

How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 
2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 
3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.
Product: Bank account or service

I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report inaccuracies and ongoing inconsistencies in the reporting of an account by XXXXXXXX XXXX XXXX XXXXXXXX across the three major credit bureausExperian, XXXX, and XXXX. 

Description of What Happened Upon reviewing my credit reports from all three bureaus, I noticed that XXXXXXXX XXXX XXXX XXXXXXXX has inconsistently reported an account as follows : Initially, in XX/XX/XXXX, they reported the account to Experian as " Charged Off / Unpaid Balance Reported as a Loss by XXXX XXXX. '' This designation clearly indicates that the debt had been written off by the creditor. 

Following this, I disputed the account multiple times with all three bureaus, as the reporting was inaccurate. I even sent a formal letter to XXXXXXXX XXXX XXXX XXXXXXXX requesting a Form XXXX for the cancellation of debt when the account was first reported as a loss. 

Despite these actions, XXXX XXXXXXXX XXXX XXXXXXXX began updating and changing the accounts type and status inconsistently between XX/XX/XXXX and XX/XX/XXXX. For example : The account was reported as " Open '' during some periods and later updated to " Closed / Collection '', conflicting with their initial designation. 

The account status also shifted between charge-off and collection across different bureaus, with conflicting payment history and " last activity '' dates. 

This pattern of inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ). The information reported is not accurate, complete, or consistent, which has caused ongoing harm to my credit profile. 

Additionally, given that the account was reported as a loss by the creditor in XX/XX/XXXX, I request that this account not be reinstated, re-reported, or added back to my credit report in the future under any circumstances. 

Requested Resolution I respectfully request the following : Deletion of the Account : All information related to this account should be permanently deleted from my credit reports across Experian, XXXX, and XXXX due to the inaccurate and conflicting reporting. 

Full Investigation by the CFPB : I ask that the CFPB investigate XXXX XXXXXXXX XXXX XXXXXXXX reporting practices and compliance with FCRA. 

Pull My Credit Reports ( XXXX XXXXPresent ) : I request that the CFPB investigator obtain all my credit reports from XX/XX/XXXX to the present across all three bureaus to review the reporting inconsistencies and ensure proper resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX ongoing and inconsistent reporting of this account, despite initially marking it as a loss, is both misleading and harmful. I trust the CFPB to address these issues appropriately and enforce compliance with federal regulations. 

Thank you for your time and attention. Please let me know if any additional information or documentation is needed to support this complaint.
Product: Debt collection

To Whom It May Concern ; Please be advised that as of XX/XX/XXXX XXXX as listed on my most recently reviewed credit report there is an inaccurate account still listed. Over the past few months I have made subsequent attempts to have this accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that you are being willfully negligent in rectifying my affairs. The company XXXX XXXX XXXX is reporting an account that is NOT mine. 

This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.

According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ). Please remove the following accounts immediately from my credit report.
Product: Credit reporting or other personal consumer reports

i recently noticed I had a fraudulent XXXX XXXX card had been opened in my name on XX/XX/year>
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Mortgage

The mortgage company ( Shellpoint ) is claiming Im the co borrower on a mortgage with the former owner who died in XXXX. I purchased the home in XXXX. My name supposedly appears in XXXX as a co borrower. Shellpoint does have my correct XXXX XXXX
Product: Debt collection

When called rep fid not specifically what the debt was for XXXX provided proof of the bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXXXXXX ( I ) report the account as current.
Product: Credit card or prepaid card

Comenity Bank/ XXXX sent me a bill. I have no XXXX jewelry nor have I shopped there since 2002. This account is fraudulent. It is listed on my XXXX credit report. Comenity Bank states that they conducted an investigation and found that I owe money on an account that I have zero knowledge of or access to. I want this taken off my credit report and I want Comenity bank to stop harassing me.
Product: Debt collection

Noticed on0 my credit report that a collection agency Arrgon Agency was trying to collect a {$2700.00} debt owed to XXXX XXXX in XXXX, PA . The account # for XXXX shows XXXX. 
The name on that code is XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX, same address XXXX XXXX XXXX XXXX, PA XXXX My account number with XXXX is XXXX It states that the account was opened XX/XX/XXXX to XX/XX/XXXX. 
I did not move into XXXX XXXX XXXX until XX/XX/XXXX This is not my name and not my debt
Product: Credit reporting

A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.
Product: Bank account or service

I have a dispute with Direct Express Dispute Department concerning a transaction on my direct express debt XXXX. This dispute was opened on XXXX XXXX, 2015, I submitted documents on XXXX XXXX, 2015 and the dispute was closed on XXXX XXXX, 2015, base upon conflicting information. They stated I wrote XXXX XXXX, 2015 verse XXXX XXXX, 2015 as the last time I used the card. I resubmitted a letter concerning the error with the date and stated at the time I open the dispute I stated XXXX XXXX, 2015 as the last time I used the card. On XXXX XXXX, 2015 the dispute was put into Fair Hearing Status. I was told it could take 30 days and I was also told there is no time frame concerning the Fair Hearing Decision. I believe without no timeframe it could take years before I receive my money back. I provide d the police incident number and the XXXX who are working on the case, her name is Officer XXXX XXXX she can be reach at XXXX or XXXX. The direct express dispute number is XXXX open on XXXX XXXX, 2015. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX, XXXX, LA. XXXX
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 Acct # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  found on my XXXX and Equifax report which I do not recognize. I called XXXX to report the discrepancy and they suggested I file a complaint here.
Product: Debt collection

On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
Product: Mortgage

I've previously filed a complaint with the CFPB about freedom mortgage. My complaint ID was XXXX. The prior issue was that the company never set up my online account, and I was unable to access my online account with the information that I had. The company responded to the CFPB complaint and made it sound as if I had failed to follow all of their instructions. That was incorrect. However, I was able to resolve the issue by talking over the phone with a customer service representative : they provided me with the information I needed to access my account information online, which included a social security number that was not associated with any of the mortagees listed on the mortgage or on the title to the property. Now, the problem is that my account was and still is registered under someone else 's social security number. The customer service representative previously gave me this other social security number over the phone so that I could create my account and create a new password. They did not provide me with any way to correct the error and ensure that the account was linked to the correct ( my ) social security number. Now, I have misplaced the social security number linked to my account, and I appear to have forgotten my password. I have no way to access my account, and I can not even call into their customer service line because when I call in, the system recognizes my phone number as linked to my account and asks me to enter the last XXXX digits of a social security number that isn't mine. I am unable to access my account or retrieve my account information to reset my password with my own social security number. Again, I think consumers need to be able to have some agency to switch the servicer of their loans if they are not provided adequate customer service.
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$7000.00}. It was paid to Wells Fargo Cash Wise Visa Signature Card on XX/XX/18. In total they charged me {$7000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Product: Vehicle loan or lease

After reviewing my account it appears that I have made {$5800.00} in payments to Exeter finance. The original amount financed was {$10000.00} my current balance is showing {$10000.00} today. There must be some mistake. A customer made {$5800.00} in payments and the loan decreased {$950.00}. Should I contact the FTC or the attorney general? How many other customers have experienced this type of " lending ''? You will be happy to know that not all of your customers are poor. Some can actually hire an attorney. Please correct my account immediately.
Product: Checking or savings account

This is my second claim reguarding this. Capital One responded to my first claim stating that XXXX needed to submit for the funds to be returned to them. After struggling with them to get them to do this they sent it over for the amount that was deposited of {$110000.00} and capital one denied it stating that there was insufficient funds. I have been trying to get this worked out with XXXX from capital one talk to her last week on Friday she let me know she would be returning to the office on Tuesday have tried multiple times to contact her and she will not return my call. I have provided Capital One with the document they were asking for yet they are still denying to release my funds back to XXXX capital one has held my funds for over two months now I need help getting them to do their job. I did get a quick response from the first claim I put in however they have not kept up there end And sent the money back as they requested per XXXX. I have contacted XXXX at least three times a day since Tuesday and have yet to hear a response I think waiting over two months is long enough and I feel like capital one is intentionally holding my funds.
Product: Vehicle loan or lease

I finance a vehicle from US auto sales located in XXXX XXXX. The company will sit down in XXXX and bought out by XXXX XXXX XXXX XXXX. Oh my credit report is still shows {$20000.00}. Ive had my car for almost 2 years. Ive gave XXXX auto over {$8000.00} in the first year and my interest looks like Ive only paid XXXX my car was recently repossessed because of nonpayment, but it was also recently stolen, and Westlake portfolio management had informed me they had no GPS information on my vehicle when it was stolen US auto sales had a Killswitch on my engine. Any time I did not make a payment. My vehicle was totaled. I have a XXXX so its very popular right now for being stolen after I find my vehicle and pay for it to get out of the cities pound my car was repossessed, how Im not sure because I was not even in the state of Georgia so I believe I was lied to you about the GPS location as well as how much interest I have on this vehicle when I look at my payoff letter at XXXX portfolio shows I payed nothing after they bought the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX  because  they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX XXXX  has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's experian 's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Product: Vehicle loan or lease

I purchased vehicle from XXXX XXXX XXXX. Vehicle was advertised for sale at {$6400.00}. At time of purchase no paperwork was given to me. I requested at time of e-signing a copy and was told that I would get a copy when signatures were complete before I left. At the end of the e-signing, I was told our printer broke. You can obtain a copy online only to find that it was three days before a copy could be retrieved online. At that time I realized that I was charged {$9100.00} plus tax and fees plus I was charged for a warranty I never authorized. The total was {$13000.00} plus interest making the total sales price with interest {$19000.00}. Upon contacting both XXXX XXXX XXXX and Credit Acceptance I was told nothing could be done. I have paid {$10000.00} in 30 months and decided to again try to rectify this matter to no avail. I did not want to harm my credit. I never received a Buyers order or any other form of paperwork at the time of sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX 6.  XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX XXXX 9. XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX 12. XX/XX/XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXT XXXX Balance : {$0.00}.
Product: Debt collection

In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.