23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I called moneykey on XX/XX/XXXX to tell them that my job closed my store due to the virus and I have no income coming in at the moment. I wanted to set up a payment plan for when I get income coming back in. The guy on the phone told me " I suggest you apply for unemployment so that way you can pay us back. That is the option most people are taking to get our money back. '' Then I told him I wanted to revoke the authorization for ACH because my bank account is now negative $ XXXX due to this. He told me he turned that off for me. Now, on XX/XX/XXXX I am getting automated voicemails from them for me to call and also a email saying that a payment did not go through. I checked that bank account and again they tried and I have more overdraft fees. I called them on XX/XX/XXXX to ask why they tried to push a payment through after I revoked permission for them to do that last week and we set up a payment plan when I got income coming back in. They lady on the phone acted like she couldn't hear me after I finished my question. I kept repeating myself over and over and still same response " I can not hear you can you repeat that again. ''
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS ( XXXX ) XX/XX/XXXX This is my third attempt to dispute an account from XXXX XXXX and their debt collectors on my credit report that are the result of IDENTITY THEFT.

I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONSUPERVISEDRELEASEINNEWYORK XXXX ) PROOFTHATIWASLIVINGINNEWYORKUNDERSUPERVISIONUNTIL XX/XX/XXXX XXXX ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX and XXXX Release living in XXXX XXXX New York XXXX My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXXXXXX XXXX XXXX XXXX He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX  or supervised release without having to go through my XXXX  Obicer. The account that remains on my credit report that is NOT my account and is the result of IDENTITY THEFT is : - SOUTHWEST CREDIT SYSMTES/ XXXX XXXX while I under supervised release in XXXX XXXXXXXX XXXX New York XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and XXXX and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.
Product: Credit reporting

I have recently pulled out my credit profile from equifax company. I have found out XXXX account that is incorrect, that is reported from Collection agency. After sending letters to the Collection Agency who has listed an item on my file, to ask them validate my debt. But I have n't received any legal documents that proof of debt, such as acoount statement, name of original creditor, and registered agent number, and so on. I asked them to delete from my credit file if they ca n't validate my debt, But they still keep reporting to credit report company while they ca n't validate my debt. 
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchSincerely Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been Illegally running my credit and reporting inaccurate information to all XXXX credit bureaus. According to 15 U.S.C 1681 FCRA act, this is unethical and impermissible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, addresses and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXAmong these included XXXX XXXX, XXXX XXXX XXXX XXXX, Ally Financial and XXXX. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a XXXX  points, which is not much, but still.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I started my dispute with XXXX Transunion and XXXX  because I found several errors : fraudulent inquiries and late payments that are definitely an error on my credit reports .There are also several listings of personal information that does not belong to me such as incorrect birth date, a job I have never worked at and incorrect addresses and names which make me suspect fraud or erros. I sent each of these companies a notarized affidavit with a letter explaining the specific accounts the needed to be investigated, I never received a response until I sent a 2nd letter on XX/XX/2021 which was a total of 3 months, according to the FCRA they have a total of 30 days to respond. I am very upset that my dispute has been ignored for several months and when they finally decided to reply I received a computer generated response and I feel the dispute was not actually investigated. I demand a fair investigation and details that explain the steps of the investigation because I deserve to know why these errors are on my report because its very damaging to my score and credit worthiness. If these companies continue to break the laws and not do a fair investigation my life will be ruined and I will not be able to take care of my family.
Product: Credit reporting

I had voluntarily returned a vehicle to XXXX XXXX in XXXX of XX/XX/XXXX. I could not continue to pay for the car and all of the repairs. I was sold this vehicle with a " warranty '' that added thousand s of dollars to the price of the car, but it covered nothing. They are reporting it as if I returned the car in XXXX of XX/XX/XXXX so now my credit is shot. I had built my credit up, but now it looks like I recently had a repossession. They are also reporting an incorrect balance. The terms of the loan are not correctly reported as well. When I call them I am on hold indefinitely. They dumped 6 months of negative reporting on my credit at XXXX time. Their information was not on my report until XXXX XXXX. I was scammed and hurt by them XXXX, now I am going through this again with my credit score dropping XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted valid Identity Theft reports to XXXX, Equifax, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED AND THEY WOULD BE REMOVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT.

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS
Product: Debt collection

On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint on XX/XX/2020 against Regional Acceptance regarding a previous car loan and the account being sold to collections. Per Regional acceptance they did not sale my account. They only allowed for XXXX to handle my account. Which is completely fine by me. 
Since Regional Acceptance let XXXX handle my account, that means that XXXX can make decisions on there clients behalf. Which they did- when they agreed to a settlement of the amount of money owed, also the agreement of removal.
Product: Credit reporting or other personal consumer reports

Hello, This account was charged off on the following date ( XXXXXXXX XXXX ) Since then this account has repeatedly been updated as charged off EVERY month. This shows an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You have failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX Acct # XXXX
Product: Debt collection

The name of the collection company is Consumer Collection Management. I contacted them, once I saw the collection on my XXXX Credit Report. When I first made contact, I was told they would email me a copy of the lease and any other documents they had. They verified that they had the correct email address. I never received anything. I called back and they said they would send it again. Again, I never received it. I tried calling the third time and left a message. No one every called me back. I tried calling again for the XXXX time and it just rang and rang. 

The XXXX XXXX  was the original creditor. I tried calling them and someone is supposed to call me back tomorrow. The amount owed is {$8400.00}. The date it was opened was XX/XX/2024. 

I reported the dispute to the XXXX representative. There is a fraud alert on my account and my accounts are frozen. This collection had to have originated prior to that. I have been dealing with identity theft for the past XXXX  months.
Product: Debt collection

TD bank had violated FDCPA on multiple occasions, at one point I have received over 11 calls in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently reporting two accounts by the names of 1. Portfolio recovery opened on XX/XX/XXXX for the amount of {$430.00}. This company has been previously updated and removed from my report THEN changed their name and has reposted an account on my credit report that is not mine. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$250.00}. This account is not mine
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized and inaccurate derogatory marks on my Equifax credit report. These accounts were placed in collections without my knowledge or consent, and I dispute their validity. Despite taking steps to resolve this, the issues remain unresolved, and my creditworthiness continues to be negatively impacted. 

Below are the details of the disputed accounts : Original Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$2000.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX BXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$950.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$160.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$250.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX On [ insert date ], I submitted a dispute to Equifax regarding these accounts , but no satisfactory resolution was provided. Equifax failed to verify the accuracy or validity of these debts, which I believe violates the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681i ( a ) : Equifax is required to conduct a reasonable investigation when disputes are submitted.

15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum accuracy of the information they report. 
These accounts do not belong to me and are causing significant harm, including lowered credit scores and financial hardship. I am requesting that these accounts be investigated, verified, and, if found inaccurate, permanently removed from my credit report.
Product: Debt collection

First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( XXXX ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet while out on the town on XX/XX/2020. Since then I've noticed things on my credit that wasn't done by me. I have made contact with the companies to have removed but no action was taken. I also disputed them with the credit bureau and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and XXXX XXXX say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit score.
Product: Credit card or prepaid card

I have been trying to transfer my American Express membership rewards to airlines for 3 weeks ( from XX/XX/XXXX ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review. 
I then filed a CFPB complaint and American Express released my rewards on XX/XX/XXXX stating they have completed the review. I redeemed some of my rewards to airlines on XX/XX/XXXX, but American Express FROZE my rewards AGAIN on XX/XX/XXXX. I only had normal spending on XX/XX/XXXX and really don't understand the reason why American Express put my account under review AGAIN. This is really frustrating.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Mortgage

My current mortgagor, Wells Fargo, sent an offer to refinance my loan to a lower interest rate. I went through the entire process, submitting all forms and documents. The title is only in my name and I am the only person on the loan. I was informed that since I was divorced over 7 years ago and my decree stated I had to make a payment to my ex-husband that the title company wanted a notarized letter from my ex-husband, stating I paid him the {$5000.00}. I informed Wells Fargo that the decree also showed he had to pay {$2500.00} in my attorney 's fees along with child support and as of XX/XX/2016, he owed over {$21000.00} in child support arrears. I provided a screenshot from the XXXX to further support my contention that I could not owe him the money, but he would demand forgiveness of the arrearage to provide the letter they wanted. I also noted that 7 years is outside of the statute of limitations and since no judgment is recorded against me, I can not owe this money. Wells Fargo then claimed my ex-husband was on the title and would have to deny my loan. Since this time, I have filed a complaint with the Maryland Attorney General. Wells Fargo subsequently claimed there was an error in claiming my husband was on the title and offered me the " opportunity '' to apply to another loan program. They wasted months of my time, not to mention money since my payments should have been reduced as of XX/XX/2016 Merely telling me to reapply to see if I can qualify for another refinance is not sufficient given they blatantly denied my loan under false pretenses. By suppressing our ability to refinance, they ensure the cost to live in certain communities is higher and our real estate wealth is less which creates longer-term economic disparity ( payments are higher although our equity is less ). What, if anything, can you do to help or do you just gather this information to XXXX day, hopefully, file yet another nationwide complaint against Wells Fargo for unscrupulous and fraudulent practices?
Product: Credit card

XX/XX/2023 : I made a call to Capital One on XX/XX/, in which I inquired about the restriction placed on my account and the subsequent adverse impact on my credit score.

During the call I expressed my concern about the restriction placed on my Capital One account. First they stated it was a fraud alert on the account that I was 1 never made aware of and two I never had anything fraudulent occur during the time these accounts have been open. 

The representative acknowledged that there had been an issue and clarified that my account I was using to make payments was classified as a non-transactional account, which may have contributed to the confusion. Despite the account being in good standing historically, the representative mentioned that they would not be able to reopen the account due to it not being in good standing today. 

While I understand the classification of my account, I would like to emphasize that my intention has always been to maintain my account in good standing and promptly address any outstanding balances. The late payment was an unfortunate result of an external factor, and I sincerely apologize for any inconvenience it may have caused. 

Maintaining a positive credit history is of utmost importance to me, and I believe that reopening the account would help me continue to do so.