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

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my EXPERIAN file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Product: Debt collection

onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by  staying on my XXXX  and XXXX  credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
Product: Debt collection

I filed a complaint on XX/XX/2020 to WAYPOINT, and they did not respond, I sent them several letters but nothing happened, I see no changes in my credit report, this really affectes me because I feel like they are no giving enough attention to my cases
Product: Debt collection

IQ Data keeps telling me that I owe {$64.00} which I paid on XX/XX/XXXX. They claim my check bounced and when I checked with the bank they say that information is false. The landlord has even sent them emails that I satisfied the debt. They deny receiving communication from them. I sent statement showing I don't owe the amount. Then they asked me to send proof to the dispute department. I did that two weeks ago. They can't answer my question or give me any update. They are not willing to help. I even threatened them with a lawsuit for the grief they have caused. I satisfied this debt immediately when it my landlord gave me an adjusted post-moveout amount. This is also largely the landlord 's fault for poor business practice. They automatically send any amount owed after move out to this collection company instead of communicating with tenants. Its a meager {$64.00} and it is causing me so much grief because I take my credit seriously and to they're treating my concern facetiously.
Product: Credit reporting or other personal consumer reports

I entered into loan in XX/XX/XXXX and paid the loan off XX/XX/XXXX. They continue to report this loan and another loan I acquired in XX/XX/XXXX and paid off in XX/XX/XXXX as full balances. I disputed them to Experian but they continue to report them as unpaid even though they are paid in full.
Product: Mortgage

My mortgage is with Nationstar XXXX Mr. Cooper XXXX Nationstar/Mr. Cooper incorrectly reported my account as delinquent to credit agencies while the account was in good standing and in the forbearance/deferment process under the Cares Act. This caused my credit score to drop from XXXX to below 650. In contacting Nationstar about this I was told to send an email to the research department and wait 30 days for them to investigate and have it corrected. I sent the email, as well as reported to each of the credit bureaus but have yet to receive any communication from Nationstar/Mr. Cooper now in the third week since my initial email. This is infuriating that a company can cause damage to personal credit history and not take immediate action and regular communication to correct. With Mr. Cooper you are unable to speak with anyone beyond the general customer service line when calling, regardless of your issue. Two of the three credit bureaus ( XXXX and XXXX ) have been very good about keeping me informed of their processes to reach Nationstar/Mr. Cooper and have corrected the credit report. XXXX has had no communication and still has not corrected the credit report.
Product: Debt collection

There is a collection account on my credit report from " CHARTER COMMUNICATIONS ''. I tried calling the company directly and they were able to confirm that this due amount is for services provided at an address that is unknown to me as well as a different phone number than mine. I have never requested any services from either Charter Communications or XXXX.
Product: Debt collection

In XXXX I took out a loan with Rapid Cash and paid half that debt. I was left with owing them {$270.00} which I didn't pay and it went into collections and has been on my credit for the last 2 years. I haven't had contact with Rapid Cash since XXXX. As of XX/XX/XXXX Rapid Cash forged a cashiers check in my name with my banking information and paid themselves {$270.00} without my authorization. I filled a fraud claim with my bank and they put a block on my account and are investigating it. I'm filling a police report too. I called Rapid Cash to get the person who illegally forged a check in my name, they were unable to give me that information. When I spoke to the lady who works at Rapid Cash she said they haven't been able to get ahold of me and are allowed to do that. Forging a cashier check without authorization on a 3 year old loan that has been on my credit for 2 years is illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}.
Product: Credit reporting or other personal consumer reports

I have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/XXXX still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified by XXXX XXXX that my loans were being transferred to XXXX. Now my loans are duplicated on my Experian report. I have attempted to get them to remove the duplication multiple times since XX/XX/2022, but they deny the dispute every time, despite evidence from both My XXXX and XXXX. This doubling of my loan has resulted in higher interest rates for auto loans and has been extremely frustrating. 
I am attaching the notice from XXXX XXXX that states my loan will be transferred and the " Welcome Letter '' from XXXX.
Product: Credit reporting or other personal consumer reports

Payment was made paid and full to Caine and Weiner and still shows as a collection on my XXXX report. Needs to be deleted asap and show paid in full
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : XXXX. The amount for which the collateral was sold. 
XXXX. An explanation of how the deficiency balance was calculated. 
XXXX. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency.

Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful.

In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection.

State-specific repossession laws which may require additional notices or procedures that were not followed.

Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that XXXX XXXX XXXX take the following actions immediately : XXXX. Cease all collection efforts related to the alleged deficiency balance. 
XXXX. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
XXXX. Provide a written explanation of the actions taken in response to this complaint. 
XXXX. Compensate for any damages resulting from this unlawful repossession and negative reporting. 
If I do not receive a satisfactory response within XXXX business days, I will have no choice but to escalate this matter by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting this violation to my state Attorney Generals office. 
Seeking legal remedies, including potential litigation for damages and removal of negative credit reporting. 

I hope to resolve this matter promptly and amicably. Please contact me at your earliest convenience. 
Thank you for your immediate attention to this serious matter.
Product: Credit card or prepaid card

I submitted a payment paying off the credit card on XX/XX/XXXX which was well before the due date and I know there was funds in the account because I had recently deposited a large check that I had verified cleared before I made a payment. Capital one returned the payment on XX/XX/XXXX or XXXX and stated that I had insufficient funds when I did not, they also reported me as late to my credit bureaus. I called and asked why they did this and they said insufficient funds and I stated that I didnt have insufficient funds per the reason listed above and asked that they take the negative remarks off my credit as I have never been late on this credit card before and it they were going to return a payment that they at least call me and notify me so that I dont end up w derogatory remarks on my credit. I asked that they refund the {$25.00} late fee and remove derogatory remarks and they told me they were unable to do that which is false. So I need them to refund me the late fee and remove all the falsely placed late payment remarks placed on my credit. Then I will pay the balance of the card off once they make said corrections.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Checking or savings account

On XX/XX/XXXX, BoA told me that they would refund three months worth of the monthly maintenance fees I was charged.

They send me a check for the incorrect amount when I requested my account be closed.

They told me on XX/XX/XXXX that because my account was closed, they were unable to correct their check issuance error and as a result they were keeping my money. 

They informed me that they did see that I was told the fees would be refunded, but that they had no way to give me the funds. 

It's absurd and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I Want To Sue This Company for violating My Rights under the Fair Credit Reporting Act which I'm A XXXX  Veteran and A victim of identity theft affidavit Signed and Dated on XXXX XXXX XXXX  and I Sign and Date this Document on XX/XX/2022 and I Need Legal help from A Lawyer Concerning this important matter of business and I'm XXXX and XXXX XXXX because of my XXXX which I can't afford a lawyer now
Product: Mortgage

I have a mortgage that was purchased by PNC. I recently shopped for new insurance policies and got the information for PNC to send money from my escrow to the new insurance company for the new policy- fairly standard. They sent the payment to the wrong company- a company I have never had a policy with. The other company cashed the check so now I have {$1800.00} missing from my account ( the check was re-issued to the correct insurance company so the payment was withdrawn from my account twice ). My local agent and I have both spent hours on the phone with PNC, XXXX XXXX XXXX ( the incorrect insurance agency ) and XXXX ( the correct insurance agency ) and nothing is being remedied. I believe that since PNC made the mistake with the check, they should be responsible for the money and getting the refund from XXXXXXXX XXXX, however, they have not assisted with this at all.
Product: Payday loan, title loan, or personal loan

Advance financial is really taking advantage of people who are poor and uneducated about their practices. 

Many of us that have to borrow money temporarily to make ends meet would sometimes turn to loan sharks like Advance financial not knowing that they have compound interest and daily charges that makes the person unable to pay in the long run. Sometimes an individual may end up paying up to three times the total amount borrowed and there is no clarity to lenders about the expected charges. This company keeps people in perpetual financial bondage. A person desperate for funds would seek their help thinking that it would ease the stress but they compound on the overall issue. 
I am wanting to make complaints about Advance Financial Unclear Rates to uninformed consumers and their unauthorized bank drafts that puts consumers in a bind. They are not regulated well and have access to peoples accounts while being fraudulent. 

This service can charge a person more than {$35.00} or more a day in interest to someone who had no idea. Then when they set a minimum payment that only clears the interest while the principal is growing and interest is compounded. It should be unlawful to be that cruel to the unsuspecting. In addition, they set up stores at locations where poor and uneducated people usually live and they make it their goal to lure customers. 

Please help.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding a recent denial of a car loan application and to inquire about potential violations of federal equal rights laws and CFR laws. 

On [ XX/XX/XXXX ], I applied for a car loan with [ Navy federal ]. Unfortunately, my application was denied, citing reasons that were not adequately explained to me. Upon further investigation, I believe that my application may have been denied in violation of federal equal rights laws and CFR laws.

According to the Equal Credit Opportunity Act ( ECOA ) and Regulation B of the Consumer Financial Protection Bureau ( CFPB ), lenders are prohibited from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. I have reason to believe that my application denial may have been influenced by one or more of these protected factors.

Furthermore, Regulation B requires lenders to provide applicants with a written explanation of the reasons for adverse action, such as a loan denial. However, I did not receive a clear and specific explanation for the denial of my car loan application, which may be a violation of Regulation B.

I am deeply concerned about the potential violation of my rights under federal equal rights laws and CFR laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with applicable laws and regulations.

Additionally, I would appreciate any guidance or assistance you can provide in addressing this issue and seeking recourse for any violations that may have occurred. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I tried applying for a loan to buy a home. I had originally disputed my debt with Midland and this was causing issues when trying to be approved for the house loan. I contacted Midland and they agreed to remove the dispute since I was in a payment plan. Here it is a year later and now I CAN NOT be approved for a home loan because of this account being in dispute. I contacted Midland again and they said that there is no dispute since Im in a payment plan and they can see that. I have a picture of this conversation. If the dispute can not be removed from the account and its causing me this many issues, then I no longer need to be making payments on this account.
Product: Credit reporting or other personal consumer reports

inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was established with a rate reduction plan with navient private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted navient and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with navient and no help. I have disputed with the credit bureaus and nothing has changed. 
NAVIENT has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I opened this card with the credit limit given was {$1900.00}, the balance thats being reported by discover is over XXXX XXXX how?
Product: Debt collection

XXXX XXXX  XXXX XXXX  XXXX company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX XXXX  sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our Court House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.