23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am formally complaining against CAPITAL ONE AUTO FINANCE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE AUTO FINANCE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE AUTO FINANCE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

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

As previously stated to Experian, I am a victim of identity theft. Experian responded that authorization is needed because I am a third party. 
I XXXX XXXX give Experian authorization to proceed with my complaint of identity theft. I am a person putting my on complaint in not a third party of company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 XXXX XXXX sent me alert that XXXX placed XXXX  delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on XXXX of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the XXXX negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XXXX of 2017 I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX  advised me XXXX of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, 2017 to see what had happened. I was told when setting up the payment plan in XXXX of 2017 to write a letter to XXXX XXXX credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na XXXX, has violated my rights. 

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
Product: Vehicle loan or lease

lien of lien release does hear by release the lien or encumbrance in the name of the debtor XXXX XXXX XXXX no longer claims a security interest what happened i received a phone call from the Bank of American Auto Loan One year later From The date of release from XXXX  to B of A, My response was only the DMV letter was for an XXXX XXXX XXXX  which I relocated from XXXXXXXX XXXX  they insisted I had the title so I looked after 1 year the letter from XXXX XXXX XXXX XXXX for the XXXX t bird and one from said car XXXX XXXX XXXX, I never missed a payment I pay XXXX instead of the date of payment B of A bank paid the name of the transfer loan to me, XXXX XXXX XXXX ( the mistake is theirs ) as told by XXXX XXXX XXXX XXXX. 
I said why have you waited so long it has been 1 year what do we do now I was told to go to XXXX and have the title released the B of A, I asked why don't I bring the title to a B of A office, but I was refused and a letter 3 days later was sent to me by mail. IF WE DO RECEIVE THE PAPERWORK FOR THE CERTIFICATE OR TILE YOU NEED TO PAY THE ENTIRE ( {$9600.00} ) BALANCE BY XX/XX/XXXX THIS MISTAKE ( Wasn't ) MINE ALSO YOU ARE NOW IN DEFAULT UNDER YOUR AGREEMENT. 
I TALKED TO : XXXX XXXX AND MADE APPOINTMENT FOR XXXX XX/XX/XXXX fro the THE ChANGE OF TITLE, ( now I received 5 calls this week alone give me XXXX XXXX XXXX Vehicle Vin plus vehicle account number And I still Paying Payments on time even after this mess I never stopped
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.
Product: Mortgage

To Whom it May Concern : The problem we are having with our mortgage is that after making mortgage payments on our house for about 24 years now it seems from the statements we are receiving that right now we owe about twice what the price of the home was when we bought it! 
We have repeatedly requested an accounting for this from Fay Servicing however they will not provide the information requested. They told me over the phone that there were too many documents for them to deal with. They raised our monthly payment significantly but will not provide any explanation for the increase or why the balance is so high. 
Our mortgage has been passed around to about 5 different companies over the years. I think there is a real possibility that distortions in the amount owed have occurred with each transfer. These other mortgage companies need to provide some accounting for their actions as well. I think the account needs to be audited all the way back to the beginning because something is definitely wrong. We are hoping that the CFPB can assist us with determining what has happened to our investment in our home. We will be happy to work with you to resolve this issue. Thank you in advance for your assistance.
Product: Debt collection

Debt collector XXXX card card debt to be collateral after purchase from Credit Card service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries on  2 o ccasions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX   XXXX  Inquiry    XX/XX/XXXX     XXXX   XXXX     XXXX   Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry    XX/XX/XXXX      XXXX  Inquiry    XX/XX/XXXX   XXXX  I nquiry   XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX  CAP ONE  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX
Product: Mortgage

I have a Fannie Mae loan with Click N Close Mortgage, Formerly XXXX Mortgage. In XXXX we came out of a one year XXXX XXXX. They had me do 3 months of probationary payments which I had to do over the phone, with no internet access to my account. At the end of the probationary period they offered me 4 choices on how to proceed as were allowed by Fannie Mae. I chose to do a streamline modification. After many mess-ups on the part of Click N Close we got it fixed. During that time they reported me as negative credit although they were not supposed to. This was on 2 previous complaints that I have filed with you. Both times they did it, it got resolved. On the paperwork signed for the streamline modification it stated that my payments would be {$2700.00}, Which what my payments were before going into XXXX XXXX. I inquired about escrow, because I knew that my taxes have gone up a bit. Not much. They said it was taken into consideration and everything was fine. Two months later they dropped my payment to {$2400.00}. I, once again, contacted them to make sure it was correct. They assured me it was. This month on XX/XX/XXXX I went online to make payment, and my payment has jumped to {$3300.00}. A difference of {$850.00} a month. I called customer service to find out why. I was informed that the did a new escrow analysis, and I have to pay this amount for the next 12 months to catch up the escrow account. This is a hardship on me that I can not afford, and none of the paperwork I signed stated anything about an escrow shortage. When they did my streamline modification they didn't include escrow, so my escrow account started out at {$0.00} in XXXX of this year. Under the guidelines that I read it should have been included and all that was happening was They were adding years on to the end of my mortgage. I'm tired of them doing these things to me. This has been overwhelming.
Product: Debt collection

I noticed money missing from my check. I am salary so my check is always the same amount. When I called my XXXX XXXX office, I was told they received paperwork from a debt collector to garnish my wages. XXXX XXXX received a completely different letter with spelling errors, capitalization errors, basically it looked like a XXXX XXXX XXXX wrote it up. AND, it wasn't even mailed to my bank, it was FAXED over and they ( without ) even notifying me, did NOT pay me my wages. The really HORRIBLE part was it happened a week BEFORE XXXX! 
I CAN'T STAND XXXX XXXX and I am in the process of finding a new bank to use. This wasn't the XXXX time they had taken my money. Sadly, the only thing I could possibly do was request a hearing in court. However, I had NO MONEY to obtain a lawyer. I am a XXXXXXXX XXXX and live paycheck to paycheck as it is!
Product: Vehicle loan or lease

I make payments than they go up on my payments. And when you make payments it go down not up and they change things on my contract of payment its 45 not 46 in they keep on change the finance company XXXX. 
Car credit finance office XXXX XXXX XXXX fax XXXX XXXX XXXX XXXX  XXXX XXXX fax XXXX and they get smart with you on the phone all the time the mgt. And she fraud my name on the car to sale with out my permission and still make payments. And the car is toll loss from a accident last year XX/XX/2019 .recall salvage and lien on the car and a illegal register with somebody else name on it not mine and the same car vin number of the same car. But the dealership is saying they neither had nobody by that name come in for a car.
Product: Debt collection

On XX/XX/XXXX I sent Certified Mail a dispute to Portfolio Recovery and to request validation under FDCPA. I asked for additional items to be provided. On XX/XX/XXXX I received a response stating this account was sold to them and they included their electron file stating a balance of {$1000.00}. They failed to provide enough information to validate the debt. on XX/XX/XXXX I sent them a certified letter stating they have failed to validate debt. They have not provided any of the information I requested nor did they provide a signed contract showing my liability. They have not provided proof that they are authorized by the original creditor to collect on this alleged debt. On XX/XX/XXXX they Responded with additional attachments to support their validation. The attachments were copies of the credit card bill which does not validate this debt. The billing statements they included are dated for XX/XX/XXXX & XX/XX/XXXX yet they are reporting that XX/XX/XXXX these items were placed for collection. They are reporting to all three credit reporting agencies.
Product: Mortgage

The family is dealing with an illness and the attorney who was working on the file passed away. The family had to file bankruptcy to stop the sale. While in the process the XXXX XXXX 's job causes in to travel and XXXX is employed but dealing with an illness. 
They have gathered the documents and requested that the bank would give them a chance to workout some type of arrangement that they can make payments and save their home. We have a savings for the workout on the loan. XXXX has sent many applications to Selene Finance, but they claim they have not received an application since the attorney was working on the file which was back in XX/XX/XXXX which is not true. 
XXXX has submitted at least 10 request for a loan modification. 

This is urgent and there is a pending auction XX/XX/XXXX. We tried to get clarification of having a full package in for review before they will consider cancelling the foreclosure auction. They would never give an exact amount of days, now they tell us that it had to be 37 days. We have aqll required documents plus money to pay as a good faith payment. 
Please help us.
Product: Credit card

I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. 
First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. 
As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. 
I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.
Product: Mortgage

In 2008 I received a mortgage loan from XXXX loan in the amount of XXXX. My loan was then sold to IndyMac bank. The loan was 10 year interest only then principal would start and because I was young and dumb. My first home I didn't really think about it much. I just assumed I would transfer it into a regular 30 year loan in a year or two. Little did I know that was going to be virtually impossible. Despite my financial circumstances changing IndyMac later switched to OneWest bank refused to provide any type of mortgage assistance or modify my loan. I have a ton of paperwork showing I qualified but they would not fix the problem then when it was almost 10 years my loan miraculously transferred to another provider. Now after 12 years of payments most over XXXX a month. I still owe XXXX on this mortgage and it was recently transferred to XXXX XXXX management. I feel like a XXXX just keeping getting XXXX by these lenders over and over again. And now due to Covid 19 I'm not working and only drawing unemployment. Please provide some type of guidance or assistance on who or where I can turn to for help. I think it's a major sin that this has occurred to me and continues to keep happening. I know I've been a victim of predatory lending. My primary issue are with Indymac Bank and OneWest bank for the horrible practices they put on me and my sick older mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX I am writing to delete the following information off my file. the items I need deleted are listed in the report, I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I Reported the theft of my identity to the federal trade commission and I also have enclosed copies of the commissions identity theft affidavit. pleased delete these items as soon as possible. these negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting or other personal consumer reports

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XXXX XXXX, 2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XXXX XXXX, 2020.
Product: Debt collection

IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 4 YEARS OLD.
Product: Checking or savings account

Only Tuesday XX/XX/XXXX, I received a text message that a Chime account had been opened in my name. I received two follow-up emails. I called the company immediately and asked them to close the account. They did and send me confirmation of the closure. I've requested additional information ( when the account was opened, transaction history, etc. ) and they require more information from me to send this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX AES now calling the business XXXX  has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report.

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?
Product: Debt collection

I had XXXX service many years ago, I had their service long enough to not be on a contract before we decided to discontinue service due to constant billing issues. When I checked my credit, I saw a company named, Convergent Outsourcing with a total amount of {$1200.00} with the original creditor XXXX. This is not only an incorrect billing issue, but it is TOTALLY erroneous and XXXX KNOWS it! they sold my account and applied false billing towards the account! I was NOT on a contract, nor did I owe a final balance as I was told when I canceled services several years ago. Convergent purchased this erroneous account and put this amount on my credit a while back and it was deleted from my credit. Convergent has put this debt back on my credit when it was already deleted. Please explain to me how this can happen? This needs to be taken off my credit NOW and NEVER allowed to be placed on my credit report again!!!!!!! you can not charge someone ETF when they are n't on a contract, NOR, should you be able to put a debt on someone 's credit report when it was disputed and deleted off someone 's credit in the past. Convergent Outsourcing should be fined and I should attain a monetary settlement at this point.