23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously filed a complaint against XXXX XXXX and they said they would investigate the issue. I had an account with Capital One that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from Capital one in XXXX and Capital One Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to XXXX XXXX, showing the account was paid in full and closed on my request. 

XXXX responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the XXXX XXXX XXXX about the original account in question against Capital One and XXXX confirmed the account was paid and closed. So XXXX never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. Capital One has not cooperated with CFPB and XXXX has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
Product: Debt collection

Spring Oaks Capital , LLC ( Debt Collector ) on XX/XX/2021, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Product: Debt collection

This company has on several occasions called me, my family members, and my husband 's ex-wife stating that I have a pending law suit against me. The company gets very aggressive and threatening before hanging up. Today XX/XX/XXXX I decided to go along with the call to find out exactly what they were trying to get from me. I have 2 voicemails from a gentleman stating that there was a lawsuit against me and that my failure to respond would result in my admission and I would be held accountable by the courts. I called back and was transferred to a girl that said it was in regards to a Wells Fargo account that I opened in XX/XX/XXXX and that I overdrew the account and owed {$4200.00}, I knew that this was incorrect. She then stated that they had tried to settle the account with me for {$1300.00} which was also incorrect. I told her that I was concerned that someone got a hold of my social security number and that I would be calling the social security department, she started to get aggressive and ask why I would do that but then quickly said that maybe I should because I am responsible for the debt and I should be prepared to show the judge everything. I asked when the court date would be and she said that would be in the letter they send me. I asked her when the account was closed and she said that I didn't close the account but Wells Fargo closed it because the account was so overdrawn. I also knew this was false. I called Wells Fargo and they confirmed that I do not have any outstanding accounts with them. I was able to get the name, address, and phone number to the company that has called. I want them to stop contacting me and the people I know in regards to this fraudulent claim. The company is called XXXX XXXX XXXX, the phone number was XXXX, and the address is XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 Experian reported information on my account that I deem incorrect. I lost over 30 points on my credit report from a mortgage inquiry. I t reported a remaining balance on a installment loan that did not exsist on my credit report. I also lost points saying I have a short credit history with over 7 years of credit reporting.
Product: Checking or savings account

I have been trying to close my BBVA accounts due to poor customer service. BBVA does not provide an option to close accounts online, phone calls to customer service either ends up with system error or excessively long wait time. 

On XX/XX/2021 BBVA charged bogus {$15.00} service charge and {$3.00} paper statement fee for paper statements that I never signed up ( paperless statement selected since the account was opened ) on the account I have been trying to close. 

On XX/XX/2021 I was finally able to reach a BBVA agent and he denied my request to close my accounts due to negative balance from above mentioned fees. When I asked to speak to a supervisor, the agent hung up on me.
Product: Mortgage

I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : CCS, ACC # XXXX. 
XXXX did remove it.
Product: Credit reporting or other personal consumer reports

Transunion and Experian under UCC9-609 it was illegal to repo my vehicle without a court ordered judgment which they did not have .that makes the repo fraud that you both are reporting on my credit report { grand theft auto } without a court judgement i am entitled statutory damages and can get a full refund on repo but you both are in violation of my rights reporting this account on my credit report your in lawful communication on my credit report 15USC1692c i request that you both remove this account at once 15USC1681e { b }, 15USC1681s 2 { B } please know Equifax is not reporting this account which makes this account inaccurate reporting across the credit reporting companies .I will be filing for a full refund for the vehicle and damages 15USC1666b defamation of character, emotional distress, identity theft. please refer back through the CFPB
Product: Debt collection

Portfolio Recover Assoc is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX 
{$370.00} This is not mine! I never authorized or allowed this.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed a few inaccuries on my account this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here are the items i am asking you to verify XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report. 

This account is 8 years old This is Hindering me from obtaining employment
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is purposely not increasing consumers credit scores in order to entice them to sign up for Experian Boost and other products that they offer. My XXXX and XXXX are 100 points higher than Experian and they have the same reported information. I can understand a little point difference but XXXX to XXXX is too big of a difference. Ive paid down my credit card balance and paid bills on time even during the pandemic.
Product: Debt collection

The reason for me filing this dispute with your agency is due to IC System reporting derogatory debt to the collect bureau without first mailing notice to dispute the validity of debt. IC System is in violation of the FDCPA for failing to follow proper procedures.
Product: Vehicle loan or lease

We were one payment behind at beginning of 2019, we had help from loan company in past due to me being out if work several months after XXXX XXXX XXXX. We had automatic payments set up from XX/XX/2919 until car was paid off. CPS states they presented for payment in XXXX and bank declined for insufficient funds, however bank manager states payment was not presented. I have a print out of payments made from XX/XX/2019 to XX/XX/2019. I spoke to Mr XXXX at CPS and stated we could possibly make a payment on XX/XX/XXXX, but my husband VA doesn't come to bank until XXXX XXXX one reason pmts were set up for that date. I am scheduled to work XXXX to XXXX but usually dont get off work until after XXXX. I would call CPS numbers left in voice mails to me only to get the reps voicemail, leave a message and them call me while I was at work and couldn't answer phone. Call back when I can get voicemail leave message, and repeat fir several days until I finally reached Mr. XXXX. Come to find out CPS had canceled our automatic payments with out notifying us. I have billing statements from XXXX, XXXX and XX/XX/2019. On XX/XX/XXXX CPS had the car repossessed, repo rep had no paperwork, would not give phone number, and only stated his name was XXXX and hes taking the car to XXXX XXXX. I called CPS to get automated messages to call back during business hours, called next day and spoke to 3 representative and a supervisor. Supervisor was rude and I dont remember his name. I spoke to a XXXX, XXXX and a XXXX. We were told we could get car back if we paid {$2300.00} plus the towing fee of {$390.00} and what ever the storage adds up to. Was told by one rep we have until XX/XX/XXXX to get car or it goes to auction in XXXX area, another rep said we had one week and car would be sent to auction, We have received no notice in the mail from CPS, I know they must notify us of date, time and place of auction. I know CPS has been fined for deceptive practices and I feel we are a victim of that now. CPS also said payoff for car is {$16000.00} tho all the paper work I have shows {$15000.00}, which means payments we have made have mostly went to internet and not the principal as when we first got the car the principal was just over {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased {$1.00} Experian credit report. Found that they had signed me up for $ XXXX/mo service. I cancelled the service. Turned off the communication preferences. They are still sending multiple marketing emails every day. There is no method on their web site I've found to fully delete my " account '' or fully stop marketing emails. I've emailed them. I've waited on hold for 1/2 hour unable to reach someone. 

This is ridiculous. If we have to interact with big 3 credit reporting companies, they should be held to some minimum standards. They should not trick customers into purchasing services they do not want. They should prominently provide method to cancel marketing emails. They should prominently provide method to remove my account from their system.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding an issue on my credit report related to a late payment and subsequent charge-off that have been reported inaccurately. I have attempted to resolve this matter through several previous communications, but the issue remains unaddressed. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$9600.00} Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXXBalance : {$460.00} The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$3600.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

In XXXX of XXXX, my husband and I caught XXXX. He was out of work for about three weeks and didnt receive a paycheck for a month. We fell behind on our mortgage. We contacted our mortgage company ( XXXX ) to let them know. We thought they would be understanding and willing to help. They were horrible! Asked all of kinds of personal questions as well as told us we had to pay it and there are no other options pretty much. They had one option to that they put us in which was their assistance program. We had to wait a month before they gave us an answer. After they month, we received a decision. They denied it because they stated they felt like we could pay it. How can you pay off youre 2 months behind and payments are steady coming in. I know that since Covid, lots of programs have been in place to help them in times such as this. We didnt ask for XXXX. It just happened and our mortgage company was the worst company that we dealt with. Everyone else weee very helpful and deferred our payments so we could easily catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic.

Reporting inaccurate information like dates and amounts of whats due on loan.

are violating the Fair Creah Reporting Act.

According

to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681, this company is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ( me ) with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

According to 15 USC 1681, a credit report does not include the transactions between the consumer and the person making the report. The person making the report in this case is XXXX. It is illegal to continue to allow them to report information on my report when the information reported does not fall within this law.

According to 15 USC 1681c, your company is not authorized to make a report containing any other adverse information other than records of convictions. 

I have contacted XXXX revoking their authority to report any information on me as it is a violation of federal law and my right to privacy pursuant to the Privacy Act of 1974. According to this Act, no agency shall disclose any record ( which includes financial transactions ) unless there is a written request from the individual to whom the record pertains ( me ). I have not given written authorization and I have taken the extra step and revoked their authority. Please see attached.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XXXX 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

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a stockholder of XXXX XXXX XXXX , the XXXX XXXX  subsidiary that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card or prepaid card

Received a flier in the mail to receive {$10.00} when you make five purchases with my Comenity credit card. I made five purchases within the time frame specified and I did not receive the {$10.00} bonus. The company was not helpful when I sent messages to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 this account was opened. A balance of {$1000.00} is owed. I tried to dispute thru XXXX XXXXXXXX and Experian but it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer XXXX XXXX, received a notice on XXXX, XXXX, 2022 via email that TRANSUNION credit reporting agency placed an account from XXXX XXXX XXXX for {$1300.00} in collections. Which is a violation of 15 USC 1681c ( a ) ( 4 ), for any accounts placed in collections and charge offs must be excluded from my consumer report. I never gave Transunion, a written permissible purpose to furnish ANY account or information on my consumer report pursuant to 15 USC 1682b ( 2 ). Transunion, has failed their responsibilities of accuracy and fairness due to reporting information and communicating with a 3rd party about me the consumer which is a violation and no respect for my right to privacy, pursuant to 15 USC 1681 ( 4 ). TransUnion, actions have lead to damages and injuries in my life such as but not limited to ; tarnished my reputation, caused XXXX, marital issues, and my lack of confidence in the banking system due to the WILLFUL NONCOMPLIANCE of the Fair Credit Reporting Act ( FCRA ). ( 15 USC 1681n )