23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
Product: Mortgage

I applied for a Wells Home Equity Line of Credit to conduct home improvements on XXXX XXXX, 2015. I was approved for a credit limit of up to {$30000.00} on XXXX XXXX, 2015. During the process, I considered seeking a higher credit limit, but was informed by Wells that I could always raise the limit later on if necessary. After the Home Equity Line of Credit was approved, I learned that my anticipated renovations would cost more than expected. Accordingly, I returned to Wells to obtain a higher credit limit. It was only then that I was told by Wells that New York State law allegedly prohibits Wells from increasing the original credit limit on a Home Equity Line of Credit. At no time did Wells inform me of this limitation when I sought the original line of credit. Indeed -- Wells ' representations were the opposite -- that I could always raise my line of credit if necessary. This false representation was a significant motivating factor in my decision to obtain the original line of credit. Now, however, I have been told by Wells that in order for me to obtain a higher line of credit, I must first close the existing Line of Credit and apply for a brand new Line of Credit with a higher limit. This process will cost me over {$800.00}, and Wells has refused to waive the additional service charges and closing costs.
Product: Credit reporting or other personal consumer reports

am writing this because this car was bought for my daughter under my name on the Honda loan. The problem came when recently she submitted a payment and like any other payment, she received a " thank you '' email. She then had no issues and got the payment out of the way. Then a couple days go by and I received an email saying there was a " missed payment '' on your credit report. So then I asked my daughter and showed me the email, clearly saying a thank you.

We then got in contact with Honda finance and they stated the payment was for some reason declined. So In the process of that, her money got token out from another company for a service and was thinking, the whole time the car payment was fully made and it wasn't an issue, Come to to find out she the payment declined for no reason. My daughter then got in contact with her bank and it said honda reversed the payment, unsure why. 
Now her money was token out from her bank from another service, and didn't have enough to cover the payment since she got tricked into thinking she had made the payment which she did clearly. then had no choice to wait until uer next check and paid what she could which was {$400.00} and now counting as " 30 days late '' This is unacceptable I would like for this to be removed as it caused confusion and got my credit messed up saying I missed a payment. Since then, I recently let my daughter know to resubmit and I will be in contact with XXXX XXXX since honda wasn't much of a help
Product: Debt collection

American Collections listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.
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. Account name Account name : XXXX XXXX XXXX, # XXXX has violated my rights. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/year> i contacted XXXX XXXX the Director of Operations at the XXXX XXXX XXXX. I submitted a complaint with the XXXX to have an account with XXXX XXXX XXXX that was open / active at the time removed from my credit report. Ive contacted XXXX XXXX  numerous to times asking for validation of debt and I was ignored. However, XXXX from the XXXX XXXX XXXX suggested me to send a validation letter to XXXX via certified mail. Once a certified letter was sent, I received a response from the collection agency via the XXXX portal with a statement that didnt tie me to the alleged debt they claimed i owed. I responded with yet another debt verification via the XXXX portal and on XX/XX/year> XXXX XXXX XXXX has closed the collection and and later reopened it on my report. 
My goal here is to get the collection REMOVED from my account completely since I do not owe that alleged debt. They no longer have collection authority and per the consumer financial protection bureau CFPB rules if they dont have collection authority they must delete their tradeline so I request this be done please. I do not have no contractual obligation to this alleged debt. The validation letters Ive received were statements with different dates and numbers that dont match whats being reported. 

XXXX has DELETED this account from my credit report. I need the same from TransUnion Thank you so much for your time and patience.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to inquiry about certain entries on my credit report that I do not recognize, including company names, balances, and late payments. These inaccuracies need to be removed from my credit report immediately, as they are in violation of 15 USC 1692.

Additionally, I have repeatedly requested that XXXX XXXX cease all contact with me. Their continued communication is also in violation of 15 USC 1692K. 

XXXX XXXX XXXX has implemented a hard inquiry on my account on XXXX XXXX XXXXXXXX XXXX XXXX implemented a hard inquiry on my credit as well, without consent. 

XXXX XXXX- consistently contacts me despite the repeated ask not to.
Product: Debt collection

My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with Agent XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Pentagon Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXXXXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX - a XXXX XXXXXXXX XXXX ( XXXX XXXX ) with and price tag {$75000.00} ) is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX, GA. 

The case number for the open Federal Investigation involving this matter is XXXX. The agent is XXXX XXXX XXXX ( XXXX ) and his email is XXXX. 

# 1 - Pentagon Federal Credit Union Auto Loan Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps playing games with my credit report. I made some disputes with the CFPB, the information was corrected showing decreases in my balances, and Equifax immediately drops my score by 53 points as retaliation.
Product: Credit card

JPMorgan Chase offers a pay over time plan for any charge over {$100.00}. They claim the plan does not charge any interest, but there is a monthly fee disclosed as part of the pay over time plan. I called the credit card company to ask them what the APR was for the most recent plan I created. The representative said there is no interest being charge so there is no APR to be disclosed. I work in finance and am familiar with calculating APR 's that incorporate interest and fees. I calculated the APR for the pay over time plan as.19.74 %. Shouldn't JPMorgan Chase be required to provide this number when the customer asks?
Product: Credit card or prepaid card

I had 2 Capital one credit cards. One was a Quicksilver one card and the other was a Capital One platinum secured credit card. I had just paid most of both cards off completely and went to use it only to find out Capital one closed both my accounts on XX/XX/XXXX. I did not close them. They could not give me a concrete reason as to why they closed them.. I tried to find out why they closed them and they told me they closed my account bc my account is not consistent with their expectations for account usage and violations of the Capital one customer agreement. I have no idea what that means, or what the exact reason is. I pay my bill every month and have my accounts in good standing at all times. I don't understand why they did this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in Question on my credit profile that is definitely Identity Theft are as follows : 1/ US Department Of Education XXXX two different balances that total XXXX dollars, XX/XX/XXXX. 2/ XXXX XXXX XXXX   XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 3/ XXXX XXXX , with a balance of XXXX dollars, XX/XX/XXXX. 4/ XXXX XXXX XXXX, with a balance of XXXX bucks, XX/XX/XXXX. 5/ XXXX XXXX XXXX with a balance of XXXX dollars, XX/XX/XXXX. 6/ XXXX XXXX XXXX XXXX with a balance of XXXX dollars. All these accounts have been Fraudulently opened. I have filled out and sent several copies of an FTC report to Experian, XXXX, and XXXX. I have sent affidavits to these companies as well as the companies in Question that hold these fraud accounts. I have called each of these companies and most of them told me whether I did it or not I would have to pay. This made me very angry that they would actually say something like that to a person dealing with Identity Theft. I have contacted XXXX and will be set to be interviewed soon because of the responses from these companies as well as the lack of them solving this very important issue. Experian has hung up on me several times claiming poor connection or some other odd reason. I shouldnt have to be treated this way due to some Thief out there stealing my information and opening several different accounts that I have no knowledge of. I need help with this issue ASAP. It isnt fair that nothing has been done to solve these issues. My credit is totally ruined and it isnt even my fault. Ive called the FBI as well as Home land security. Im taking warrants out for Experian at the close of the day because of one of the Reps actually making threats against me. Its recorded and everything. Can someone please solve this issue so I can get my life back?
Product: Credit reporting or other personal consumer reports

Refer to XXXX & XXXX. 

I've requested my LexisNexis both online and in the mail, making sure that I have provided all the identification information that they require to provide me with my profile. Once again, I got their canned letter saying that they could not properly identify me. 

I received an adverse letter based on my LexisNexis profile and, once again, completed the LexisNexis online ordering platform, which was the recommended way to order my profile and identify myself. 

Once again, I got their canned letter saying the same thing : I did not provide them with enough information to properly identify myself. 

I have provided LexisNexis my driver 's license, US passport, SSN card, utility bill, and a copy of my lease agreement, and yet Lexis Nexis still claims that it can not provide me with my copy of my profile, which I'm entitled to pursuant to the FCRA. 

XXXX, XXXX, XXXX, and XXXX have no issues sending their profile to me on the first try.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( WORLD FINANCE CORPORATION ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( WORLD FINANCE CORPORATION ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( WORLD FINANCE CORPORATION ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( WORLD FINANCE CORPORATION ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of WORLD FINANCE CORPORATION reporting services.
Product: Debt collection

The XXXX XXXX XXXX terminated my lease on XX/XX/2017. 
However, after that they hired FABCO LLC to collect an debt that I do not owe them. 
After producing FABCO the documents that I do not owe this alleged debt the reduced the debt a but refused to remove and close the accout. They have continued to harass me about this debt that I do not owe and refuse to remove the debt from my credit report and other debt agencies preventing me from obtaining housing.
Product: Mortgage

I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.
Product: Debt collection

Please see for new and updated information. 
According to Capital One, an application was received by Internet on XX/XX/XXXX and an account was opened XX/XX/XXXX for account ending in XXXX. Please see attached. How is it that an account application was received in XX/XX/XXXX, but the account was opened in XXXX of XXXX before the application was received. Delete this account from ALL consumer reporting agencies including but not limited to XXXX, XXXX, and XXXX. 

I have requested an audit trail, which may include but is not limited to an account file, an account ledger, account transactional history, any and all accounting documents pertaining to this account. Capital One currently has not produced ANY of these documents. Capital One states the account was opened with a valid contract between me and Capital One. 

XXXX XXXX numbers- XXXX, XXXX, and XXXX are receipts that prove Capital One received documents from me requesting an audit trial in regards to account number XXXX. 

I hereby demand Capital One to remove the above-mentioned account information from ALL my consumer reports including, XXXX, XXXX, and XXXX.
Product: Debt collection

A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up
Product: Vehicle loan or lease

I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau XXXX are active, open and paid on time. Experian do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). Experian, XXXX XXXX XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. Experian, XXXX XXXX, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. Experian, XXXX XXXX, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.
Product: Debt collection

Portfolio Recovery Associates Uses False dates on when account was originally opened to make it seem recent. This method is commonly know as a Re-Aged account for purposes Of collecting on an account that is actually outside the scope of XXXX years. Claiming an account was opened in XXXX trying to make it seem like a more recent account. When In fact the account was opened in XXXX.
Product: Debt collection

I sent off a letter on XX/XX/2020 to this company, also to the original creditor ( XXXX XXXX  XXXX XXXX ), who has since removed the negative markings from my report, notifying that the account does not belong to me, that I am a victim of identity theft. This company ( Trident Asset Management ) has ignored my request to have this fraudulent account removed from my report and continue to report this inaccurate information. If the original creditor removed it, why is the debt collector still trying to collect on an account that has been confirmed to be the result of identity theft? This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

this account XXXX XXXX XXXX ACCT # XXXX WAS A RESULT OF XXXX  XXXX  PLEASE DELETE THIS ACCT.
Product: Credit reporting or other personal consumer reports

Equifax shows my score plunging XXXX points and Ive had no changes in my credit activity.
Product: Credit reporting or other personal consumer reports

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.