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

On XX/XX/year> my vehicle was reposted by Capital One. I received a letter on XX/XX/year> to notify me with information to obtain my property in the vehicle. I verified my self by the automated system then once the rep got she stated I wasnt verified. I explained the email on file was not working properly so they would not send me an authorization form for my son to retrieve our personal property. I was transfer to someone with an email address of XXXX requesting me to email him and he would forward the document to the email I smet the request from. He them [. Transfer me to The XXXX XXXX XXXX where I once again request the authorization form to get my personal property. The person I spoke to XXXX gave me the run around and stated she would call me back at XXXX I never received a call, back. I called back to Capital One and was placed on hold and nobody came back. Based on their letter received my vehicle would be sold on XX/XX/year>. I received their letter on XXXX. I called Capital One 8 times and Loss XXXX 4 times. I never re dived any information where my vehicle was stored to get my personal property. Im afraid with it being only 3 day window Im going to loose my property.
Product: Mortgage

I bought a home in XXXX to XXXX XXXX XXXX alabama lease to own {$66.00}. 
I have made every payment never missed one. 
In XXXX he called and told me he had a XXXX XXXX I call chase bank, they would not talk to me until I had the last 4 numbers of his social securety so he gave it to me. 
When I called and spoke to a loan manger she said it was just getting ready to go into forcloreser even though I had been sending him checks .I called hom back he did not know where thr 3 checks where but would find them .So I called them back only to find out he had taken a XXXX loan on my property without my knowledge. the bank ( Chase ) and I sent him papers many times to transfer to my name he never answered. So I paided the {$1500.00} back payments and have been paying Chase bank every since then but they are in his name. And he I am 21 years later of making payments my balance is {$48.00}. 
I now have no air condition my central unit went out. I have XXXX. I work every day been at the same job 25 years plus. Cant get a new unit because they say I dont own home .Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 accounts with Experian on XX/XX/2022. I have yet to receive confirmation of dispute or response in reference to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have written a letter to Equifax and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the Equifax that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX ( XXXX, Account is not mine ) XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Account Paid Off ) XXXX # XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. TX- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my Experian credit report that does not belong to me. The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Owed : {$340.00} Date Last Updated : XX/XX/XXXX I did not authorize or recognize this debt, and I believe it has been reported in error. This inaccurate information is unfairly impacting my credit score and overall creditworthiness. 

Also 2 hard inquiries from XXXX XXXX XXXX XXXX date XXXX XXXX and XXXX XXXX XX/XX/XXXX. I did not authorize these or apply or have accounts from these places Desired Resolution : I am requesting that Experian remove these immediately I expect it to be immediately deleted and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXX Bank {$610.00} XXXX XXXX XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

On XX/XX/2021 I attempted to temporarily lift my credit freeze on the Equifax website. 

However, the website indicated my account was not working and I should call. 

After going through the a lengthy verification process and a length troubleshooting process, the support person was unable to fix my account, but they did temporarily lift my freeze for me. They said they would reach out about how to access my account. 

On XX/XX/XXXX, I needed to lift my freeze again. My account still did not work. However, after again doing the lengthy process of verifying my identity, they told me I could not speak to an operator and that I should provided the required documentation by mail or fax but did not say what documentation to mail or fax or where. 

I'm now stuck. There is no way to speak to anyone there without verifying my identity. There is no information on their website. I never chose to work with Equifax, and they are now wasting my time with their XXXX bureaucracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate and delayed reporting of my mortgage account to your credit reporting agency. I have recently reviewed my credit report and noticed that my mortgage payment history, specifically for the following months was not reported accurately and as a result was reported late. 
30 Days Late : XXXX, and XXXX 60 Days Late : XXXX, and XXXX My mortgage account number is XXXX, and I have always made timely payments in accordance with my agreement with Rushmore Servicing. However, despite my consistent payment history, this information does not appear to have been reported to your agency in a timely manner. 
The inaccurate reporting is resulting from XXXX XXXX XXXX XXXX incorrectly collecting property taxes. They have finally corrected the escrow analysis, and updated my payments, but have yet to credit the overage from XXXX XXXX. XXXX XXXX has already sent the refund back to XXXX XXXX, but XXXX has not applied the credit to may account. Each time I make the correct payment, they are not applying the payment to the monthly amount due, which is further causing more lates and more service fees to be added. Attached to this letter is my proof of payments, Communication with the County on Tax Credit. I can provide the emails, but will need the ability to forward them to you directly. 
The failure to accurately report my mortgage payments is negatively affecting my credit score and is not reflective of my financial responsibility. As a result, I am requesting that you investigate this matter immediately and update my credit report to reflect my true payment history. 
I also kindly request that you provide me with written confirmation that this issue has been resolved and that the late payment ( s ) are corrected on my credit report.

Please consider this letter a formal request for an investigation and correction, as required under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly and for my credit report to be updated within the legally required 30-day timeframe.

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 
Sincerely,
Product: Mortgage

Told at the beginning of COVID-19 pandemic I would be eligible to put my account in forbearance once out of forbearance missed payments would be able to be added to the end of my loan. Spoke with a rep today ( XX/XX/21 ) and found out that they would not honor that and I needed to pay {$16000.00} out of pocket, do a loan modification which would increase payments, interest rate, and/or length of my loan, or a repayment plan where I pay {$16000.00} in addition to my normal monthly payment over 3 months. 

HomePoint Financial had sold my loan as of XX/XX/21 and is attempting to take advantage of me as they are now saying they were unable to add the forbearance back on my account, even tho I qualified per the Cares Act for the length it promised. The supervisor, XXXX, I spoke with then went on to play the emotion card by threatening losing my house if I did not do the loan modification application today. 

As the call was going no where I asked the supervisor to extend my forbearance per the Cares Act. Supervisor stated I could only have 30 days due to them selling the loan. Informed supervisor that the previous rep had offered 90 days. Supervisor told me once again I had been misinformed. 

Homepoint Financial is taking advantage of the COVID-19 pandemic and using it for their gain. They are not being compliant with the Cares Act and each rep you speak with is offering something very different.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by Pendrick partners that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Pendrick Partners never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Pendick Partners that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues. Which may violate.EFTA as it requires timely access to funds. This situation. Raise concerns about Consumer protection laws, I requested your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX   I have not been able to see my TRANSUNION credit report through their website for 60 days now. Ive already attempted to contact TransUnion by phone twice and i received no help on this situation. I have the right to fairness and I find it unfair that I can not view my current credit score or current credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called XXXX when I was having difficulties obtaining a new car when I was stuck in XXXX, XXXX. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to Barclays Bank over XXXX years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! XXXX had still not removed it and neither did BARCLAYS have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to XXXX and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received XXXX letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing. 
XXXX on the phone let me know that XXXX called XXXX and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action. 

These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being cyberbullied with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about XXXX weeks to get home. 

These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the Racketeering scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : PXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX  Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$390.00XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX AFFIDAVIT FOR FRAUD AND IDENTITY THEFT TO LEGAL DEPARTMENT FOR EQUIFAX Certified Mail # XXXX XXXX XXXX XXXX XXXX REASON- FRAUD ACCOUNTS- PUBLIC RECORD-BANKRUPTCY- XXXX XXXX- XXXX THIS IS THE SIXTH LETTER I AM WRITING EQUIFAX TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED EQUIFAX TO VERIFY THE FRAUDULENT BANKRUPTCY AND FRAUDULENT ACCOUNT ON MY CREDIT FILE NAVIENT VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I have documentation since XX/XX/XXXX that I have been removed from XXXX system. But Equifax states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Equifax has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified. 
The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD. 
I HAVE LETTERS FROM XXXX and THE BANKRUPTCY COURT but Equifax just ignores my lawful request and keeps this fraud on my account. 
IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX BECAUSE IT IS UNVERIFIABLE unless EQUIFAX pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase. 
They also keep this FRAUD account on my file from XXXX. And I have no contract with this company and it has been removed from XXXX and XXXX. 
I am including all my documentation in this correspondence along with Certified mail so I can document EQUFAXS FRAUD FOR LITIGATION if they verify these two account or DELETE IMMEDIATELY. 
YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint regarding the unfair and unjust process I experienced while disputing a hard credit inquiry on my credit report with Equifax. 

Details of the Situation : Date of Inquiry : XX/XX/year> Dispute Submitted : XX/XX/year> Claim Denied : XX/XX/year> On XX/XX/year>, a hard credit inquiry was made on my credit report by XXXX XXXX of XXXX without my authorization. I went to the dealership with the intention to view a XXXX XXXX, but was pressured to consider a XXXX, which I was not interested in. I explicitly stated that I did not authorize a credit pull. The salesperson and finance manager assured me that no hard inquiry would occur. Despite this, a hard inquiry was made, and I noticed it on my phone. 

I disputed this unauthorized inquiry through Equifax on XX/XX/year>. However, my dispute was denied the following day, on XX/XX/year>, without any opportunity for me to submit documentation or further evidence supporting my claim. 

Issues I Encountered : No Ability to Upload Documentation : During my conversation with Equifax customer service representative XXXX, I was informed that there is no functionality available on myEquifax for consumers to upload supporting documentation to disputes. The representative was not aware of this limitation, and I realized that no one can submit documents electronically to support a dispute. 

Unfair Timeline : My dispute was denied within XXXX hours of submission, despite Equifax stating that they provide XXXX  days for processing. When I spoke with a supervisor, he explained that even if I had mailed the required documentation via overnight service, it would not have reached them in time to be considered for the decision that was made within XXXX business day. 

Lack of Due Process : I was not provided with an adequate opportunity to submit supporting documents, which I believe violates the due process requirements of a fair dispute resolution. The system does not allow consumers to fully present their case and it appears that decisions are being made without consideration of all relevant evidence. 

The denial of my dispute, without proper due process or the ability to submit documentation electronically, has adversely impacted my credit and is preventing me from moving forward with my intended purchase of a vehicle. I request that the CFPB intervene to ensure fair treatment and resolution of this matter. 

Thank you for your attention to this issue. I look forward to your response and appreciate your assistance in resolving this unfair process. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XXXX