23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX accoriding to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1002.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

sent letters out to the credit bureaus XXXX, Equifax and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no reply. Its been over 90 days. please delete and remove what hasnt been verified. 

XXXX XXXX XXXX verify the debt XXXX XXXX XXXX verify debt XXXXXXXX XXXX account paid, creditor agreed to completely remove. 

XXXX XXXX XXXX- account paid, creditor agreed to completely remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has deliberately messed up my credit report. I have so many times my veins are pumping blue with ink. I contacted USA.Gov and XXXX told me " If the collection information is valid, you must wait 7 years from the original delinquency date for the information to cycle off your credit reports. The original delinquency date is the date the account first became delinquent and after which it was never again brought current. '' After checking with CFPB learned it depends on staute of limitations of state which is Idaho, State of Idaho says, " Idaho Statute of Limitations on Debt Collection. ... In Idaho open accounts, like a credit card account, have a statute of limitations of 4 years. 

NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. 
Idaho Statute of Limitations on Debt Collection | ID Debt Laws ... 
https : //XXXX XXXX states I can not buy a plane ticket. I can not buy a XXXX. XXXX  let a guy cash a check with my name on it and walk out door while at same time dragging me into collections. He did not even have proper ID. It should have been run thru his business account. 

Please help correct credit score. It seems every time I try it gets lower. Thank you.
Product: Credit reporting or other personal consumer reports

I received a letter from Portfolio Recovery Associates , LLC alleging I owe a debt of {$720.00}. I requested competent evidence that proved that I owed a debt to them. I requested that they sent me a signed original contract/agreement between myself and them that provided me the consideration for their claim to be valid. I also requested they provide me the legal rights they have to collect in my state ( proof of insurance, registered with my state ). i was provided with no information I requested and I am made to believe they are attempting to steal my identity with is a felony in the state of Florida. I sent them certified mail on XX/XX/2024, XX/XX/2024 and on XX/XX/2024. They have also violated my rights which an invoice of {$6000.00} was with proof of violations.
Product: Payday loan, title loan, personal loan, or advance loan

This company has overcharged the interest rate way too high. I want my money back for everything. I have multiple dates of when they have taken money from me. 

XX/XX/year> - {$120.00}. XXXX XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX//2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am unable to send/receive funds out of/into my savings account with Citibank. When I contacted the bank on XX/XX/year>, I was told that I can not access the account, because my ATM expired. However, no ATM card has ever been assigned to this account. I requested an ATM card, which never arrived.

When I called the bank today, I was told that the original card was never ordered- even though two separate representatives told me it was on the way. I also was told they are ordering the card now, and I should have it in 1-2 business days. We shall see if that is true.

At this point, I feel the bank is effectively holding my funds hostage, due to some clerical requirement that has never existed before. I need to move money out of my account and can not do so. This situation is unacceptable. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Equifax disputes were submitted regarding an account with XXXX XXXX back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in XXXX I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.
Product: Debt collection

Hello, On XX/XX/26 I sent a letter to USAA & XXXX ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. 

It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. 

USAA calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. 

I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.
Product: Credit reporting or other personal consumer reports

Trans Union and XXXX refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.
Product: Money transfer, virtual currency, or money service

Tuesday XX/XX/year> XXXX I had a missed call from XXXX Tuesday XX/XX/year> XXXX I had another missed call from XXXX Tuesday XX/XX/year> XXXX I called XXXX and the recording answer was welcome to Chase Fraud It sounded just like when I call Chase. 
The person that took my call said he was with Chase Fraud and I asked him for his name : XXXX XXXX XXXX XXXX. He asked me to open my Chase Mobile App while he was on the phone with me to go over some irregular charges. I opened the app and I said I dont see anything irregular He proceeded to ask me If I recognized the following charges : {$1000.00} at a XXXX XXXX XXXX XXXX Texas and said NO Then he asked about another transaction : A wire transfer for {$17000.00} I replied to him that I had received text messages about these charges and that I responded NO via text message. 
Mr. Heffner then said that those transactions were not going through so I didnt have to worry. 
However, a wire for {$3700.00} was about to go through within the next 10 minutes!!! I said I dont approve!! He said we just sent you a text with this wire being canceled. 
That is when all the red flags started happening! The word cancelled was misspelled! The text Message came from XXXX! I hang up and went immediately to Chase ( about XXXX ) and they were about to close. The gentleman that helped me said the wire went through! We filed a case number with the wire fraud department to try and recall the wire for {$3700.00}. 
CASE # XXXX He said that it will be about XXXX business days before I might get my money back. 
I also filed a claim with Chase CLAIM # XXXX According to Chase the money went to : XXXX XXXX XXXX XXXX XXXX BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX FILED POLICE REPORT AT THE XXXX FL POLICE DEPARTMENT, ON FRIDAY, XX/XX/XXXX. CASE # XXXX I am enclosing records of the person that owns the telephone number from where I received text messages
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Account # : XXXX I've identified a fraudulent account on my credit report due to identity theft. This account is preventing me from accessing essential credit. Under Section 605B of the FCRA, I request its immediate removal. Please correct my credit file promptly. I appreciate your swift attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank you
Product: Mortgage

In XX/XX/2022, I had autopay set up to make my monthly payments through Shellpoint Newrez Mortgage company.. I have had this loan for almost 6 years with no issues and no late payments.To my surprise I get a notification 31 days later that my mortgage was not paid for the month because the auto-pay did not go through. This was on there end that the issue arose. I didn't have any contact, email, phone call from the mortgage company about this issue. I only received notification when my credit score took a XXXX point drop from the missed payment. This is unacceptable. 

I have been trying to get this resolved for the last 4 months with no help. I have provided all proper documentation including my credit report and a written letter. They have been not understanding of the issue and taking blame that it was my fault. This needs to be resolved and update to all credit buereas needs to take place. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to be informed by Santander Consumer about the change in my account status to charge off, which has had a detrimental impact on my credit. It is imperative that this is expunged from my XXXX, XXXX, and XXXX reports without delay. I insist on immediate action. Union reports immediately.
Product: Credit card

Subject : Unauthorized Credit Card Account Opened in My Name and Capital One 's Refusal to Close It Earlier this month, I received a Capital One credit card in my name that I did not apply for or authorize. Concerned about possible identity theft, I called Capital One ( at XXXX & XXXX ) on XX/XX/year> to inform them of the unauthorized account and request that it be deleted. 

However, during the call, Capital One requested additional personal information, such as my Social Security number ( SSN ) and date of birth ( DOB ), in order to proceed with closing the account. I refused to provide this information, as I did not want to risk further compromising my personal details with a company I had never authorized to open an account. Despite explaining this, Capital One declined to assist me in closing the account unless I provided the SSN and DOB. 

I am very concerned that my personal information has already been misused to open this account, and I am seeking your assistance in resolving this matter. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

Kino financial filed a lawsuit for a debt they allegedly purchased from a previous company. They have never contacted me to let me know the debt was transferred prior to the lawsuit. The balance that they are allegeding that I owe does not reflect the last known amount nor does it reflect the resale of the vehicle which is required to be taken off of the deficiency balance. I was never given the opportunity to dispute the validity of this debt as I have never done business with Kino Financial co. , LLC
Product: Student loan

I graduated from XXXX XXXX XXXXXXXX in XXXX of XXXX and even though I did not start paying my loans off immediately, I started the process around XXXX. I may have skipped some months due to hardship but XXXX has been 18 years ago. Everyone I tell this story to someone, they say it is unreal. I borrowed a little over {$17000.00} for College and I am still paying my loans off at 8 % interest. Due to the pandemic they have been placed on hold ; however, it was extremely difficult to handle a {$360.00} payment per month even without the pandemic. I have been with FedLoan Servicing now for about six years. I requested information on the payments that have been paid on this loan over the life of the loan by sending a letter to XXXX XXXX but never received a response. When I went to Fedloan Servicing, they did not give me credit for any of the payments I made with XXXX  and even when they increased the interest rate, I still do not understand how my balance changed from the day I left College. If I borrowed only {$17000.00} how can that balance change. I understand they added interest but the balance should never have changed. I have no understanding of how these payments have been calculated over the years and how the interest became so high. I am requesting an address where I can receive information on my loan since the day I graduated from college. I want information on every payment I have made because I have paid this loan out and when they are finished with me I will have paid it out at least 3-4 times more than what I borrowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow XXXX XXXX well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Product: Checking or savings account

On XX/XX/2022 I sent the wrong person money on XXXX. 
Chase was very nasty to me on the phone and was supposed to keep me updated on my claim. They never did and jus told me I couldnt get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 
XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party XXXX XXXX XXXX provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX was servicing. 

This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX  has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

Submitted with this complaint are copies of my current credit report from all three credit reporting bureaus. XXXX does not show the late payment -- XXXX and Equifax both show the incorrect information about XXXX. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off, in its entirety, in XX/XX/2007.
Product: Debt collection

ON XX/XX/year> I SENT CAPITAL ONE AUTO FINANCE A NOTICE TO CEASE AND DESIST ALL ACTIVITIES REGARDING MY VEHICLE DUE TO ILLEGALLY SELLING MY SECURITY ON THE SECONDARY MARKET WHILE COMMITTING SECURITIES FRAUD UNDER MY NAME. ON XX/XX/XXXXXXXX XXXX XXXX XXXX A PRIVATE TOW TRUCK COMPANY CAME ONTO MY PRIVATE PROPERTY AND THREATENED ME. THE PRIVATE XXXX XXXX XXXX STATED THAT CAPITAL ONE AUTO FINANCE HAD SENT THEM, WHEN I ASKED FOR DOCUMENTATION AND PROOF THE REQUEST WAS DENIED AND THE DOCUMENTS WERE NOT PROVIDED. THE TOW TRUCKING PERSONNEL ULTIMATELY PUT MY VEHICLE BACK IN MY DRIVEWAY AND LEFT WHILE THREATENING ME. I AM NOW SCARED FOR MY SAFETY, CAPITAL ONE AUTO FINANCE HAS VIOLATED MY CEASE AND DESIST AND NOW I AM REQUESTING PENALITIES, AS STATED IN 15 USC 57B. ALSO PENALITIES FOR VIOLATING GEORGIA CODE 33-39-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY experian. THE STATEMENT IS STATED AS FOLLOWS " Notices The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration., '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted
Product: Credit card or prepaid card

XXXX previous complaint number. 

This issue was to be fixed after be restricted for 6 months. 
Still can not use card. Tried to make a charge and declined twice. Contacted Apple Card after about half hour and a few different people no one knows anything or could fix it said they would work on it. Still not heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.