23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. 

On top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. 

Third, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. 

These moves demonstrate a reckless and negligent attitude toward managing sensitive data.
Product: Credit card or prepaid card

In  XXXX  of  2016  I opened a credit card wit h Capital One. I was con sistent in making all payments on time and always over what I owed. I approached a hardship, outside of my circumstances, and had a payment returned. Instead of being contacted,  Capital One close d not onl y one b ut both my accounts without notice. I have contacted them on several occasions making good faith attempts to pay this balance off. This credit card company does not care about ruining your livelihood and is solely focus on destroying what you are trying to build. Every time that I contact them, I get an agent who always offers me the chance to re-apply. I even re-applied and all they simply did was deny me. Capital  One  prey on individuals that are trying to meet their high standards but fall short due to life. I would like someone to look at this company with a fine tooth comb because us normal everyday citizens are being scammed by them.
Product: Credit reporting

I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. 

the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Product: Credit card

I paid XXXX on XX/XX/XXXX and another payment of XXXX on XXXX XXXX XXXX XXXX XXXX  never cashed checks and charged late fee. My bank said payment cleared the bank. So I had to have my bank re issue another payment
Product: Credit reporting, credit repair services, or other personal consumer reports

5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Account closed in XXXX ( sync/paypal ) due to natural disaster. Fema documented. 

Report shows active until XXXX 4 years past legal recording. Shows XX/XX/XXXX day lates YEARS after account closing. 

Highly inaccurate reporting of closed account. Original lender will not provide documentation. 

Negative marks on two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX I have been disputing this for several years and it keeps coming back verify for what reason I do not know this account does not belong to me and is fraudulent and was unauthorized without my permission I would like for this account to be deleted immediately for my credit report I have found a police report which is in the documents this account is fraudulent and does not belong to me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I am writing to file a complaint about Capital One credit card. I have XXXX  capital one credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to first say this complaint is done by me and for me without the help of any additional party. I have been in contact with the credit reporting agencies Experian, XXXX, and XXXX in regards to errors on my consumer report. I am requesting that they not only remove the listed accounts or inquiries but to permanently keep them removed. They have ignored my written instructions mailed to them on XXXX. Pursuant 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the following be removed and corrected... 
remove late payments from XXXXXXXX XXXX XXXX  XXXX, remove invalid account XXXX XXXX and XXXX XXXX. Delete from my consumer report address listed as XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit card

Made a $ XXXX payment. Received a text that payments has posted while the payment is subsequently placed on hold. The following day, a 2nd hold is placed thus holding my payment an additional 5 days. BofA will not give me a reason or send me documentation on why this 2nd arbitrary and capricious hold was placed. They refuse to remove the secondary hold. This happens with both of my BofA credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent an Affidavit of truth to XXXX, XXXX AND EXPERIAN STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX Due to a last minute cancelled flight contacted XXXX to change my rental car reservation in order to add an additional day to the reservation and amend the drop off location from XXXX Florida ( XXXX ) to XXXX XXXX ( XXXX ), was told by the representative there was nothing they could do. 

XX/XX/XXXX XXXXXXXX XXXX Called XXXX again to explain the situation and the 2nd representative stated that the reservation had been changed to my request ( s ) above for a charge of {$160.00}. I confirmed with the agent no less than 3 times that everything had been amended and the price was correct and was told yes each time. I then asked for an email confirming the change and was told I would received one within 10-15 minutes of the call. 

XX/XX/XXXX XXXXXXXX XXXX I never received the email confirming my amended reservation so called back and once again explained the situation. Confirmed with the 3rd different agent another 3-4 times that my requested changes to the reservation had gone through and the price of {$160.00} was correct. Agent responded yes every time. Requested another email confirming the change and was once again told I would receive in 10-15 minutes after the call. I never received the email. 

XX/XX/XXXX XXXX XXXX Returned the rental car to XXXX in North Carolina with no issues. 

XX/XX/XXXX XXXX XXXX Checked my credit card balance and saw the original amount of {$160.00} pending with an additional charge of {$390.00}. Contacted XXXX  customer support to inquire and was told that whichever agent processed my claim did not enter in the updated drop off location ( I had confirmed no less than 6 times with two different agents that the reservation was for an additional day and a new drop-off location on XX/XX/XXXX ). Was told that since the car was dropped off at a different location that they had to issue a fee. I asked to speak to a supervisor and was told the same information. 

XX/XX/XXXX The charge from XXXX cleared past posting and increased to a total of {$690.00} with no explanation. I submitted a charge dispute through Bank of America who then denied my claim stating that I did not provide a copy of the original sales slip. When I had informed them over the phone multiple times and in this letter that XXXX did not provide me a change in confirmation even though I requested it multiple times. 


I do not feel that I should have to pay the additional {$530.00} on the charge ( $ XXXX {$160.00} ) due to being told my reservation had been correctly changed on XXXX end when it was not. Additionally, I received no explanation for the additional {$300.00} charge that made the total charge {$690.00}. I agreed to pay the {$160.00} for an additional day and change the drop-off location to XXXX XXXX international airport and was told that would be okay. XXXX also never sent me an email confirming the changes after I asked twice, I feel that I have been scammed.
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized items on my report.. 
Name of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current balance- {$8500.00} Name of company-Genesis credit management LLC Open date-may XXXX XXXX XXXX XXXX balance- {$7600.00} Name of XXXX Al XXXX XXXX XXXX, XXXX Current balance- {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : XXXX. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
XXXX. A copy of the police report documenting the identity theft incident. 
XXXX. The previous correspondence from Equifax, which falsely indicated that the account was not reporting. 

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories. 
Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint. 
Thank you for your attention to this urgent matter.
Product: Consumer Loan

1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX
Product: Mortgage

Hello, Once a year there is a payment that is not received by the lender or the lender places insurance on the account and creates this cascading of events where the lender places insurance on the account or sends notices about missed payment ( s ). I will send payments or upload information and it never really rectifies the problem. There seems to be a personal attempt to ruin any attempts on my part to stay in compliance regarding my agreed upon requirements. This has been going on since XX/XX/XXXX with the transfer of my loan to XXXX XXXX up until this point with Shellpoint. It was during the beginning of XX/XX/XXXX, the harassment intensified with the allegation that I did not submit insurance documents and has not been resolved as of this date. The mortgage company never removed the insurance placed insurance off my account and the payments never resumed after multiple calls and email attempts which documentation was supplied. The mortgage amount is supposed to be {$1.00}, XXXX and it changed back to the correct amount in XXXX and XX/XX/XXXX after they agreed the information was received after essentially calling me a liar, just for a few months later for them to indicate it was not received. Earlier this year, they did not issue a payment voucher, although I submitted payment. XX/XX/XXXX, a payment was mailed and they refused to cash the payment and the payment for XXXX was receive based on my tracking information from XXXX.
Product: Debt collection

Portfolio recovery sends me a letter wed account is no me I sent a letter back asking for information they never send me nothing Not a XXXX the account is my
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XX/XX/XXXX.but in XXXX i got sick with XXXX and called XXXX  and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was XXXX XXXX .so this is my problem can sombody help please.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by " XXXX '' ( the Fraudsters or the Company ). The total amount of XXXX USD was transferred from my wallet utilizing your services.
Product: Debt collection

They open another collection of {$1300.00} from me last XXXX XXXX2021 which is not part of my bill and I did not file any financial help from XXXX.
Product: Mortgage

This is a complaint about wells fargo. I recently contacted wells fargo about there recent settlement with their customers and i was told that they were not informing customers of the review process to find out if they are in the settlement. I dont understand why wells fargo gets to decide who was affected by their criminal activities. 
It seems that you did not learn the lesson from 2008 when wells fargo was permitted to stiff their customers from their last criminal act. 
WELLS FARGO NEEDS TO PAY FOR THEIR CRIMINALITY!!!!!!!!
Product: Debt collection

Starting in XX/XX/XXXX, I began disputing a XXXX XXXX/Citibank Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXXCitibank per my request. XXXX  XXXX/Citibank sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX/Citibank, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX/Citibank requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX  XXXX/Citibank wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named XXXX XXXX XXXX XXXX. This agency made claim that the XXXX XXXX/Citibank credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXXCitibank are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXXCitibank they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the reporting of late payments on my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. 

Upon reviewing my records, I have not been delinquent on my payments, and this discrepancy is causing a negative impact on my credit score. I understand the importance of maintaining a positive credit history, and I am eager to rectify this situation promptly. 

LOANCARE LLC XXXX I kindly request your assistance in investigating and correcting the late payment entries on my credit report. I have attached copies of my payment statements for the relevant months, which clearly show that I made the payments on time. 

I understand that errors can occur, and I appreciate your prompt attention to this matter. I kindly ask for your cooperation in correcting my credit report as soon as possible. Additionally, I request confirmation in writing once the necessary corrections have been made. 

Thank you for your understanding and cooperation in resolving this issue. I believe that with your prompt attention, we can rectify this matter swiftly and ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

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 an 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. 

Equifax 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 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