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

I have added original complaint filed with XXXX as an attachment. 
I completed a XXXX XXXX and had paid off my vehicle and Capitol One had reported it was paid in full but would not send lein release, after my bankruptcy was closed without discharge due to a previous XXXX XXXX they recalculated my loan and now state my vehicle is not paid off. They say that if it was paid off before my bankruptcy was closed they have to consider it paid. I provided proof it was and got a response back that that did not matter, either pay or they reposse my vehicle. Then after me stating they had reported to the credit reporting agencies that it was paid in full, they then sent them an update and ruined my credit even further, I disputed and then they updated it to closed and a write off, however they still expect me to pay more and threatened to take my vehicle.
Product: Debt or credit management

I settled a XXXX DMV issue with Harris & Harris. The XXXX DMV is still rejecting my vehicle registration application XXXX  days after resolution. I called Harris & Harris to request proof of settlement and was told by XXXX XXXX that I need to go in person to the DMV and tell them I am on a payment plan because Harris & Harris communicated the debt repayment plan to XXXX  DMV and updated in their system but there is something awry on the DMV side. I can get a letter stating that I am on a payment plan but Harris and Harris can not tell me what detail will be included in the letter and that it may take up to XXXX  days to get this letter, which is an issue because temporary tags last for only XXXX  days. I can not get information through email. They are not willing to provide a receipt of any kind or documentation to support the validity of the debt, though they are in receipt of payment and the account is current and they have been receiving payments on time via ACH each month since XXXX. Reference number provided for payments is XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). OnXX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact Equifax, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sold my account to XXXX XXXX as a charge off account. According to 15USC-16802 obligation to disclosure of personal information ( creditors have to get permission to share your info with a third party ). I have never given my permission to have this shared with a third party.have requested both the 1099c and debt validation letter. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within 24hrs of filing a dispute how can it return so quickly its like it is an automated response to my dispute. I have also attached proof of certified mail sent to XXXX and I've gotten no response. 

Violations 15-USC-16802 15 -USC 1681 eb
Product: Debt collection

This Debt was proved not to be mine and was removed from my credit report before now its placed back on by another another collection company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX, XXXX Credit BureXXXX XXXX XXXX  : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Mortgage

I got a letter in the mail from WellsFargo in XX/XX/XXXX stating that my mortgage payment was going to go up because my account was short {$2200.00} they said that it was due to my taxes and insurance going up which didn't make any sense. I Immediately started talking to them, to XXXX Insurance company for doubling my insurance premium without consent AND to the XXXX XXXX County assessor 's office so I thought this issue was resolved as of XX/XX/XXXX. The assessor stated that my taxes would increase annually at a rate of 2 % which in this year translated to {$19.00} and the insurance situation with XXXX was resolved by cancelling their services and going with another provider. In XXXX I got another statement from WellsFargo stating that my escrow account was short {$730.00} and yet another statement dated XX/XX/XXXX stating that my payment had gone from {$760.00} from previous years to {$1900.00} due in the month of XXXX WHICH I CAN NOT AFFORD!!!!! AND THIS IS A FIXED LOAN!!! I tried on XX/XX/XXXX to fix the problem again and they told me that I had to call the 1st insurance provider ( XXXX ) to get a refund because they had paid my new insurance company and the old insurance company which created the deficiency!!!! I NEED ASSISTANCE WITH THIS MATTER IN INVESTIGATING WHY THEIR ESCROW DEPARTMENT IS DOING THIS. I had cancelled the initial premium with the insurance department in their institution and with XXXX in XXXX WHY WOULD THEY turn around and pay them!!! I HAVE OWNED THIS HOME SINCE XXXX AND HAD NEVER HAD A PROBLEM LIKE THIS UNTIL WELLSFARGO TOOK OVER.
Product: Debt collection

The company refuses to respond to any my letters I sent them On XX/XX/2021 I sent a validation letter they didn't respond On XX/XX/2021 I sent a settlement letter they didn't respond
Product: Checking or savings account

I have a business account with Bank of America under the name XXXX XXXX XXXX. I had previously encountered fraud and asked them to freeze my account. Today I received a notification that there were ACH payments sent out of my account, which were unauthorized and not sent by me. I called the bank to ask them to help handle the fraudulent charges and they told me that my freeze had expired and that I had to fill out a form and email it in to dispute the fraudulent charges. Additionally, they NEVER notified me that the account would be 'unfrozen ' after XXXX ( which they told me today. ) The bank should protect the consumer. Instead I sent off a form and received the following message- Please allow XXXX business days for your XXXX claim to be resolved. 

I called back to ask for additional help and was basically told that I am a liar and hung up on. The bank doesn't care about their customers and I am asking for help to get these fraudulent charges reversed and credited back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am lodging a formal complaint against Radius Global Solutions, XXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Radius Global Solutions, LLC sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Radius Global Solutions, XXXX has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Radius Global Solutions, LLCs actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.
Product: Mortgage

Has been an ongoing problem for over a year with them we file for XXXX relief and then were expected to pay it all back in XXXX lump sum which we did not have obviously. they said that it was being worked out and we should hear for them very soon that was back in XXXX the bottom line is we just want to refinance our house with a different company and pay them off and be done with them but whats holding us up is there reporting that were delinquent on our payments to this nightmare of an ordeal if they can remove that we can pay them off they would be done with us and we could start off on a new loan and get on with our lives
Product: Credit reporting or other personal consumer reports

DISPUTE LETTER TO TRANSUNION & EQUIFAX ( FCRA VIOLATION DEMAND FOR IMMEDIATE DELETION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX To : XXXX XXXX Department XXXX XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Deletion Under FCRA To Whom It May Concern, Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the inaccurate and unverified account appearing on my credit report. You are hereby put on notice that the following account is being erroneously reported and must be immediately deleted due to non-compliance with federal consumer protection laws. 
Furnisher : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  : [ Insert Partial Account Number ] Date Opened : XX/XX/XXXX Balance : {$760.00} FCRA VIOLATIONS MANDATORY DELETION REQUIRED BY LAW 1. VIOLATION OF 15 U.S.C. 1681e ( b ) DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY XXXX and Equifax have failed to ensure maximum possible accuracy, as mandated by 1681e ( b ), which states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Since the furnisher has not provided legally sufficient documentation proving I owe this alleged debt, this entry must be deleted immediately per statutory requirements.

2. VIOLATION OF 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FAILURE TO CONDUCT A REASONABLE INVESTIGATION Upon dispute, a credit bureau must conduct a reasonable reinvestigation within 30 days. The law states : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Any reinvestigation must produce original, verifiable documentation, not mere confirmation from the furnisher. If no valid proof exists, this account must be permanently deleted.

3. VIOLATION OF 15 U.S.C. 1681b ( a ) IMPERMISSIBLE REPORTING WITHOUT CONSENT Under 1681b ( a ), a credit reporting agency may only report accounts with a permissible purpose under the law.

No such permissible purpose exists for reporting fraudulent, inaccurate, or unverified debts. 

DEMAND FOR IMMEDIATE ACTION Given these clear legal violations, TransUnion and Equifax are required to : 1. IMMEDIATELY DELETE THIS ACCOUNT from my credit file under FC

RA 1681i ( a ) ( 5 ). 2. Provide written confirmation of the deletion within 15 days. 3. Cease all reporting of unverified information and prevent re-insertion per 1681i ( a ) ( 5 ) ( B ).

Failure to comply will result in legal action under 15 U.S.C. 1681n, which entitles me to : Actual damages, Statutory damages of up to {$1000.00} per violation, Attorneys fees, and Punitive damages for willful noncompliance. 

I expect a written response confirming deletion within 15 days. 

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

XX/XX/2016 my wallet was stolen and I tried to contact Capital One about my credit cards and they said they would put a hold on my account and send me new cards. Charges had been made to the account without my consent and they asked me to send a police report in and then they would start a claim. I did not have a police report because there was too much time in between the incident of my wallet being taken and me getting the police involved. Capital One refused to dispute the items on my card and I refused to pay for purchases I never made. I am asking that these late payments be taken off of my credit report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Product: Credit card

American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXX Act # XXXX, XXXX  XXXX XXXX  Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Product: Checking or savings account

Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. 

XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to CAPITAL ONE AUTO FINAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

I have recently received my credit reports and I am writing this letter to dispute the following accounts : XXXX XXXX XXXX, Account Number # XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Checking or savings account

To Whom It May Concern : I've had a Free ( no monthly fee ) Business Checking Account with Wells Fargo back for approximately ten ( 10 ) years to date. On XX/XX/2019, Wells Fargo Bank charged me a monthly service fee of {$14.00}. I called and spoke with a Wells Fargo Bank representative and Wells Fargo Supervisor regarding my account being serviced a monthly fee. I was informed by the supervisor that Wells Fargo Bank had changed their checking account requirements. The new checking account requirements are different than the requirements that I agreed to when I signed a checking account agreement with Wells Fargo Bank. I did not agree to this monthly service fee and I requested that my Wells Fargo Bank Business checking account be returned to it's original account requirements and not be charged a monthly assessment. Please investigate. 

Sincerely,