23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I wanted to refinance our VA loan to get a lower rate. We wanted to take advantage of the streamlined process. We went to XXXX XXXX and several companies called us right away. We chose Amerisave Mortgage Company. They offered the cheapest rate. We filed an online loan application on XX/XX/20. I never got a copy of this loan application until I asked. The loan application has since disappeared. Then they wanted additional information. They wanted us to sign off on a XXXX/XXXX  addendum. When we filed the initial electronic application I had indicated that we were not first time homeowners and it should be titled to veteran and spouse. I noticed on the addendum that they had changed the form to read first time homebuyers and the loan should be titled to Other. This information is not correct. I did ask that they change the form or we weren't signing. We don't know if this done. Either they wanted to steal our home or charge us more money in closing costs. Also the loan officer said he would waive the {$500.00} application fee. They also wanted to charge us {$580.00} for an appraisal that was never done. The company address on the addendum is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. The loan officer 's name is XXXX XXXX. XXXX. His desk phone is XXXX and fax is XXXX. They do not answer phone calls or emails. Something is not right. Thank you.
Product: Debt collection

On XX/XX/XXXX, XXXX XX/XX/year> Portfolio recovery flagged my account as collections without verification of the dept. I received multiple calls for months I repeatedly ask for them to provide me with the contract were they refused. I disputed this dept through XXXX multiple times Experians responses was the dept was verified I then sent a validation letter to XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/year> were they did not respond but they did stop furnishing my data. I have now receiving emails and text from XXXX collection agency concerning this dept I did not want to take this route but this company destroyed my credit to the point it was under a XXXX and now the cycle must cease thank you
Product: Bank account or service

This is about the Flexible Spending Account card from ADP. This card is funded ( pre-tax ) directly from my payroll. The problem is with ADP ( servicing agent ) when is used. IRS policy is that employees can then use funds to pay qualified medical expenses not covered by their health plan, including co-pays, deductibles and a variety of medical products and services ranging from dental and vision care to XXXX and XXXX. ADP asks for a validation every time is used. If you do not send the validation request, they can block your card with your money unilaterally without concessions. The problem is that this card is for health problems including emergencies. My problem started when my wife had problems with her XXXX. We went to a XXXX ( recognized XXXX ) and the doctor gave her a XXXX. we paid with the card which is for medical products and services ( as stated ). Later, ADP requested validation via a letter and I send the ledger I received from the doctor 's office. Even that I comply with the letter ADP sent ; they still blocked the card and when I had a medical emergency for my son, card was declined with my monies. I called them and it was then when I found out that they now require a signature of the doctor on the ledger. This was never addressed before and this is the reason I 'm seeking for your help. I feel impotent with almost {$1000.00} dollars of my money in the card unable to use it because they now are requiring a letter from a doctor who charges for any consultation and is not easy to obtain. 
Please find attached letter from ADP requesting validation and the validation letter provided. Finally ; when I called ADP, there was a survey on customer experience, they cut the line before I can relate my satisfactory or unsatisfactory experience. I hope you can help or let me know who should I go with this because I 'm sure I 'm not the only one suffering from this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX, which has negatively impacted my credit report. The incorrect information is being reported to both XXXX and TransUnion. Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. 
XXXX. Issue with TransUnion Reporting : On my TransUnion report, the payment status incorrectly states 30 days late, even though the past due amount shows zero and there are no 30-, 60-, or 90-day late payments reported. This discrepancy clearly shows the inaccuracy of the reporting, as the account should simply state Paid as agreed with no late payments recorded.

4. Incorrect Reporting Practices : According to my communication with XXXX, they claim the 30-day late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. The loan was paid off in full by the dealer within the appropriate time frame, and the account has always been in good standing. XXXX continued reporting of a late payment is misleading and incorrect
Product: Credit reporting

XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately. 

Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.
Product: Debt collection

XXXX XXXX XXXX XXXX is apparently trying to shake me down over damage to a rental vehicle that I did not cause. 

Here is the complaint that I sent to them after I received a letter from a debt collection agency. 

Please note that the car was successfully checked in by a XXXX XXXX XXXX XXXX person on XX/XX/XXXX at XXXX after I had already dropped it off. According to their own attached records, the incident occurred on XX/XX/XXXX and was not reported by the individual who checked in the car on XXXX 
-- -- -- -- -- -- -- -- -- -- Dear Sir or Madam, I have received a damage claim to the above rental car for damages that I did not cause. 

Here are the facts : There was no attendant on duty when I returned the car. 
My business partner was with me and can attest to the fact that the car was undamaged. 
The claim that I received shows that I returned the car to XXXX XXXX XXXX on XX/XX/XXXX. 
The " Incident Date '' listed on the report is XX/XX/XXXX. 
The car was not in my possession from XX/XX/XXXX until the incident date of XXXX. 
The email address listed on the claim is incorrect and does not match the email address that I have on file with XXXX. 
The pictures that I was sent shows the car in a completely different location than the one that it was left in. It was left at the airport check in facility but the pictures clearly show it at a repair facility. 

Why am I being charged damage that I did not incur and apparently your company can not confirm happened while the car was in my possession? 

If I did incur this damage, why was I not contacted by XXXX before it was sent to a credit reporting agency? 

Should I need to get my attorney involved, I have already consulted with XXXX. Please provide me with the following information as soon as possible so I can share it with her. 

XXXX 's policy regarding the checking in of cars upon the end of a rental. 
XXXX 's policy regarding the reporting of damage by company personnel upon return of a rental. 
The entire rental history of this car from XX/XX/XXXX to XXXX. 
The contact information for any owners of video surveillance systems of the airport lot where the car was left. 

Please feel free to contact me at XXXX or XXXX to discuss further. 

We look forward to your favorable resolution based on lack of facts, witnesses, and the lack of expeditious reporting of the supposed damage by XXXX XXXX on XX/XX/XXXX at XXXX. 

Thank you for your prompt attention to this matter. 

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

I submitted a request to have fraud accounts removed from my credit reports. From all three credit reporting agencies and submitted a police report and filed a complaint with FTC, CFPB, and XXXX XXXX XXXX. XXXX and XXXX have cleared my reports. But Equifax has not removed a fraud address and 8 fraud accounts appearing on my Equifax report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account on XXXX, Equifax, and XXXX appearing on my credit report under XXXXXXXX XXXX with account number XXXX ; XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute.

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.
Product: Mortgage

I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?
Product: Debt collection

I have contacted U.S Collections West on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and U.S. Collections, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to U.S. Collections to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX CO : XXXX, XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been in contact with capital one for some time now. I have tried to resolve this matter over the phone and submitted numerous disputes requesting proper verification of their statements made. I disputed my account with capital one for reporting late payments on my credit report. I disputed these late payments pursuing to 15 U.S. Code 1666b - Timing of payments. These late payments are accounted for " XX/XX/2022 AND XX/XX/2022 '' ( XX/XX/2022 and XX/XX/2022 ). As a valued consumer I have always ensured that my payments are up to date and that I am viewed as a respected consumer. I am Challenging that the bank Capital One failed to mailed or delivered me the consumer my billing cycle no later than 21 days before the payment due date. I requested that they provide proof that they mailed this periodic billing cycle to me proving they adhered to the laws they are set to follow. If they are unable to provide me with proper verification, then I request they remove the erroneous late payments from my account and my credit history. Yet they only replied with a statement saying the reporting is accurate and therefore no changes will be made but failed to provide me with the proof needed to support their claim. I have numerous proof my mailed disputes to Capital One and they have not once proved they acted accordingly in accordance with the law they are obligated to follow. Due to XXXX Ones actions I have been unable to acquire credit and have been denied for and presented with very difficult and unfavorable terms when applying for credit.
Product: Debt collection

I sent National Credit Adjust a letter in XXXX of 2020, asking them to verify the debt that they had listed on my credit, and I never received anything back from them. I called them a number of times and each time I called they would say they are waiting for the documents from the original creditor. Here it is XXXX and I still have not received anything from them in writing.
Product: Payday loan, title loan, or personal loan

On XXXX I went to a XXXX office and obtained a loan for XXXX work. At the time of my visit I explained to my doctor that I got paid on the XXXX of each month. I received my first bill from Comenity Capital Bank on behalf of XXXX XXXX XXXX XXXX. My first bill had a due date of XXXX and a minimum payment of {$200.00}, during my initial call with their office on XX/XX/XXXX, I spoke with XXXX ( XXXX ID ) and attempted to get clarification of their late charge calculation or how/when it would be imposed. During the call the representative was unable to explain how a late charge is calculated or advise if there is a grace period. I spoke to XXXX ( XXXX ID ) on XXXX @ XXXX XXXX., in an attempt to get more clarification how they are calculating a late charge on my account. I was advised my billing statement would provide the details, I advised the representative that the billing statement indicates " If we do not receive your minimum payment by XX/XX/XXXX you may have to pay up to a {$40.00} late fee '', no where on that statement does it provide the calculation for a late charge. At that time I advised the representative I wanted to take care of the account and remain in good standing, I asked her what the amount due was, XXXX advised {$400.00} ( XXXX & XXXX ), I scheduled the payment over the phone. Before hanging up I asked if we were good, meaning no outstanding fees, I was advised that there was a {$29.00} late fee that would remain on the account. I asked why was this not advised when I requested to schedule my payment so that I would take care of it at the time of my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX, and Transunion to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Transunion Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 Transunion Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I have a loan with CREDIT COLL ( Original Creditor : 06 THE XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.