23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the public record on my personal credit report is reporting completely and accurately. I have asked that all information verified include the complete and full court name reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date file date, paid date and settle date. If you are unable to verify any of the information requested, please remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Product: Vehicle loan or lease

Subject : Formal Complaint Against Capital One Auto Finance for Failure to Provide Loan Documentation and Potential Legal Violations I am submitting this formal complaint against Capital One Auto Finance for their failure to provide the legally required documentation regarding my auto loans and potential violations of federal consumer protection laws. Despite my formal demand, Capital One has failed to disclose key financial records and loan details as mandated under various federal statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and the Real Estate Settlement Procedures Act ( RESPA ). 

The details of my auto loans in question are as follows : XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$22000.00} Maturity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$35000.00} Maturity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$42000.00} Maturity Date : XX/XX/XXXX Complaint Details : I have formally requested the following documents from Capital One, which they have failed to provide : Original signed loan agreements ( all pages ) Full payment history for each loan Full account statements including all charges, adjustments, and fees Loan payoff statements with all balance adjustments Securitization details, including CUSIP numbers for each loan Loan transfers, assignments, and securitization records ( including XXXX XXXX  or Special Purpose Vehicles ) Full credit reporting records provided to XXXX XXXX XXXX, and XXXX All correspondence regarding these accounts, including internal notes, settlement offers, and charge-off details Insurance records, including any force-placed insurance policies Capital Ones refusal or failure to provide these legally mandated documents raises serious concerns, including potential violations of : TILA ( 15 U.S.C. 1641 ( g ) ) Failure to disclose loan transfers and securitization FCRA Inaccurate or incomplete credit reporting Fraudulent Misrepresentation Misstating account balances and settlement terms Wrongful Collection Attempting to collect on charged-off, securitized debts Failure to Release Liens Refusal to release vehicle liens despite no financial interest Unjust Enrichment & Breach of Contract Failure to honor contractual obligations Requested Action from CFPB : I request that the CFPB formally investigate Capital One Auto Finances handling of my accounts and require them to provide the full loan documentation, as required by law. Additionally, I request that the CFPB take appropriate enforcement action to ensure compliance with federal regulations and hold Capital One accountable for any violations.

This complaint is being submitted alongside copies to the Office of the Comptroller of the Currency ( OCC ) and the Illinois Attorney Generals Office. Please acknowledge receipt of this complaint and provide guidance on the next steps in the investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit Of Truth to Fed Loan Service certified Mail ( tracking # XXXX ) that was delivered and signed for on XX/XX/2021 It states facts including 15 USC 1681b ( a ) ( 2 ), which states that a any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 : In accordance with the written instructions of the consumer to whom it relates. 

I Never gave any consumer reporting agency or debt collector consent to furnish anything on my report.
Product: Checking or savings account

I was a XXXX customer. Since I became a Citizens Bank customer I have not been able to access my new account. I have not received a debit card and I am not able to open an online account. Since XX/XX/2022 I have been trying through numerous phone calls to remedy the problem. The post office in XXXX or XXXX does not function well. I want the bank to send me a debit card via XXXX XXXX envelope. I am willing to pay for the freight charges. They refuse to do so.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00}
Product: Debt collection

I have disputed this collection multiple times. I have asked for paperwork saying that I owe the debt. I sent debt validation letters as well and I never received a response from this company. I see where on my credit report it says disputed by consumer. I have never visited or have been cared for by a doctor in Texas. 
The amount is {$910.00}
Product: Debt collection

On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.
Product: Mortgage

I refinanced my home through XXXX XXXX Company based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with First American Title insurance Company based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is XXXX XXXX didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both XXXX XXXX and First American about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from XXXX XXXX which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the 35th day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.
Product: Debt collection

Dear CFPB Representative, I am writing to file a formal complaint against Agency of Credit Control regarding the improper collection and reporting of a debt to the credit bureaus. I have disputed this debt directly with the collection agency under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient proof to validate the debt. 

I requested that they : 1. Provide the Certified Material Information ( CMI ) for the alleged debt. 
2. Supply proof of assignment or release of this debt from the original creditor to their agency. 
3. Offer documentation detailing the calculation of the claimed amount. 
4. Provide a copy of the original agreement or contract that created the debt. 

As of this writing, they have failed to comply with my lawful request for verification. According to the FDCPA, they are required to provide clear and accurate validation before pursuing collection or continuing to report the debt to the credit bureaus. Without proper verification, their reporting of this debt is unfair, misleading, and damaging to my creditworthiness. 

I am requesting the CFPBs assistance to : 1. Investigate this matter with Agency of Credit Control. 
2. Ensure that this unverified collection account is removed from my credit report immediately. 
3. Hold the collection agency accountable for any violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX, XXXX XXXX, LA obtained a loan from XXXX XXXX, XXXX XXXX, CA whose lender was XXXX XXXX XXXX, same city who has gone out of business and sold my acct. to XXXX XXXX, XXXX, MA. On XX/XX/XXXX I contacted XXXX XXXX. XXXX  for a loan pay out quote. The quote of {$5300.00} was given and good until XX/XX/XXXX. On XX/XX/XXXX a XXXX  XXXX cashier 's check # XXXX was delivered to XXXX on XX/XX/XXXX.On XX/XX/XXXX til present day I have been unable to speak with anyone at XXXX XXXX  who knows why my acct. has not been paid out and where the XXXX XXXX truck title is located. On XX/XX/XXXX XXXX XXXX called First Republic Bank, XXXX XXXX, CA where the cashier 's check was deposited on XX/XX/XXXX, cleared the bank on XX/XX/XXXX to a bogus acct. First Republic Bank has no acct listed on the back of check. Please help me get my truck title back and investigate this fraudelent activity. 
Thank you. 
XXXX XXXX XXXX, owner XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, LA. Phone # XXXX Email - XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking as outlined in the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I respectfully request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per 1022.142 ( b ) ( 6 ).
Product: Credit card

On XXXX XXXX XXXXXXXX I called two days before my payment was due they no longer took my debit card they said they were not allowed to take debit cards anymore so they asked me to you if I wanted to use my checking account and I told them yeah they asked me if it was the one that was linked I told them yes well a few days later I called back just to make sure that everything got done because I never paid my check I always called every month and make payment with my debit card but they no longer would accept my debit card after talking to them a couple days later found out that they sent my payment through a wrong checking account that was closed from fraud that I had already sent all my information too they requested and after all the time that I spent with two or three people on the phone no one could understand how hard this was on me they charged me a late fee on both cards cuz I got two credit cards from the same company they charged me a {$28.00} late fee on each card and then wanted me to make a payment which I owe the payment but it's not fair but I pay a late fee are over whatever fee for something that was not my fault I even asked for the supervisor and the supervisor could not understand that I had called two days before my due date I called a few days after my due date just to make sure it got taken care of because they changed their payment methods I never got a letter never got anything from them stating that they would no longer take my debit card I've been with this company for about 4 or 5 years and I've always called in and made my payment every month with my debit card if somebody could please understand what I'm saying and see if this company can not help me I am on a limited income I am on XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this was not fair to me I did not know that they did not put the information down from a new checking account that I had to change because of fraud if somebody could help me I would surely appreciate it I feel like this is not fair and something needs to be done about it cuz it was an honest mistake I believe on both ends and I do not believe a late fee should be charged for both cards they should have just put the late charge to the side they have dates to date that I called them in which was two days before my payment was even due and a few days after just to make sure because they no longer would accept my debit card they said they change payment method can somebody please help thank you very much for my payment was that they no longer would
Product: Debt collection

requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able
Product: Credit card or prepaid card

XXXX XXXX XXXX received a XXXX - 1099-c from Bank of America indicating that a credit card had been discharged in the amount of {$2900.00}. As I could not remember having a credit card in the last 10 years with Bank of America. I contacted them for more information. Bank of America customer service stated that the card was opened in XXXX and the last payment on the card indicated on the form, joint with XXXX XXXX with the last payment made on the card was in XXXX? The credit card number is XXXX, and the date of the identifiable event was XX/XX/XXXX. I had not received any communication over the years to indicate that there was an outstanding balance, or that the account had been charged off. Nor was I given the opportunity to remedy any past due balances. My wife XXXX pulled copies of our mortgage that included a copy of our credit report from XXXX. Upon review of the credit report, there are 2 credit cards reported for Bank of America. Once was opened in XXXX, # XXXX and in XXXX was reported as delinquent, and does not match any of the numbers listed on the 1099-C. This card also does not match any of the information that Bank of America provided me over the phone. The second Bank of America Card # XXXX, opened by XXXX in XX/XX/XXXX and had no balance on the card in XXXX of XXXX. Neither of these cards are reported as being joint cards. I would think that if the credit card number reported on the 1099-C would have the four numbers reported on the credit report someone in the credit card number line up. Neither card four digit number reported on the report in XXXX appear in the 1099-c account number. There are no other credit cards for Bank of America reported in XXXX that was opened in XXXX as a joint card with XXXX. I have highlighted the two Bank of America Accounts on the XXXX report. I also pulled my free credit report and there is no Bank of America Card listed as a charge off. I also have obtained copies of my credit report from other creditors and this account has not shown up as a charge off or an open account in the past 2 to 3 years. I don't believe this is our card and don't feel that we should have received this tax statement or that is should have been reported to the IRS as additional income. If Bank of America can provide the application with our signatures and tell me which account it matches up to on our XX/XX/XXXX credit report, then I will gladly claim this discharged debt as income.
Product: Credit reporting or other personal consumer reports

This loan was part of the XXXX vs. XXXX loan discharge. This was a XXXX loan that was completely XXXX due to the XXXX XXXX XXXX XXXX XXXX. Standard Repayment Current Balance {$12000.00} Outstanding Principal : {$6700.00} Unpaid Accrued Interest through XX/XX/year> : {$5700.00}
Product: Mortgage

My wife and I are both XXXX  with excellent income, assets and credit scores, and previous success over many years in obtaining mortgages and refinancing. 

We applied to Flagstar Bank on XX/XX/2021 to refinance the mortgage on our home. 
On XX/XX/XXXX they provided us with a Loan Estimate and on XX/XX/XXXX promised in writing Lender Credits of {$2500.00}. 
They provided a conditional Approval letter on XX/XX/XXXX and indicated that the estimated closing date was XX/XX/2021. 

It is now more than 20 weeks since we applied, and during that time they have asked us to upload over 100 documents, often asking us repeatedly to upload documents which have already been uploaded and can clearly be seen on their website. 
The delays caused by Flagstar have led to expiry of some documents such as payoff statements, requiring us to re-obtain and re-submit these. 
As each month has gone past, Flagstar has asked for updated bank statements and other documents month by month, in spite of already having detailed financial records and tax returns for the last three years. 
They have issued multiple Loan Estimates, each having higher costs, and including unrealistic and probably untrue expenses such as {$3000.00} for appraisal of our three bedroom house. We will upload the latest three Loan Estimates and a screenshot from Flagstar Bank of the current Loan Status, and have thorough documentation. 

We have attempted to resolve these issues with Flagstar Bank directly, without success. 

We consider the demands from Flagstar Bank unreasonable and suspect that they are a delaying tactic, and that Flagstar is attempting to evade its commitments and promises. 
This behavior by Flagstar Bank does not appear to be consistent with truth in lending. 

We are aware that other potential customers of Flagstar Bank have had similar experiences.
Product: Checking or savings account

Bank fees hundreds they refused to give back to me in overdraft fees bank of America from XX/XX/XXXX XXXX or XX/XX/XXXX {$35.00} each time when I thought I had overdraft protection and they didn't let me dispute them etc
Product: Credit reporting or other personal consumer reports

Down below is a list of inquiries that shouldn't be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX