23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!
Product: Credit card

Bank of America credit card was used fraudulently. Reported to Bank of America. They closed case within 3 days and denied my fraud claim. Department is currently closed. I did not authorize the charge. Immediately reported as soon as charge came through.
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXXXXXX XXXX XXXX .ON behalf of the asssociation I opened an account-checking account at Huntington Bank. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for the balance and it was only the last deposit $ XXXX asked about the remaing XXXX  the bank 's response has been consistently vague and unhelpful, with their representatives simply stating that they are '' working on it '' without providing any concrete information or timeline for the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 Section 602a, states that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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: Mortgage

Rushmore Loan Servicing has failed to correct my monthly escrow payment despite 4 calls over the last two months. My loan was for a new home. Since there were no prior property tax records because of new construction, taxes were estimated at closing to be approximately {$4500.00} annually. The actual assessment came back at the end of XX/XX/XXXX, with a note stating it was a copy and not a bill and the bill was sent to Rushmore. The assessment indicated the actual taxes turned out to be {$2500.00} annually. Since the taxes were to be paid soon, I immediately called Rushmore to  make sure they did not over pay and to ask for an escrow refund and analysis, since I was paying almost double what was required for almost a year. The first call was to the tax department. Although I could see on the online system they had the bill and were paying to {$2500.00}, it showed they were going to pay it twice a year. I asked her to correct it to the once a year payment period as indicated on the bill. The representative said she would. When I checked back a few days later, it showed once a year, but she failed to correct it to the lower amount, so I called back again. This time the tax department told me I had to speak to escrow. So I called escrow. The man I spoke to seemed to understand what I explained. He told me he would do an immediate escrow analysis based on the {$2500.00} once per year, send me the escrow overage, and have the account analyzed so my payments would be lowered to reflect the new lower monthly escrow obligation effective XX/XX/XXXX. So I signed on today and learned that an escrow overage check was processed, my taxes showed as paid once per year but still at the {$4500.00} amount, and my monthly payment had INCREASED, NOT decreased. So I called in again and the tax rep, XXXX, told me I should have talked to them first so they could adjust the tax lines before the escrow analysis so that it could be done right. She then said it would take ANOTHER 21 days. The problem with that bad service response is that I DID start with them and they already got it WRONG. So two months later, and apparently another 21 days before I can check to see if they get it right the fourth time, here I sit, HIGHER payments, wrong tax lines, and waiting for the escrow overage I first started requesting 60 days ago. RESPA, RESPA, RESPA. Arent there servicing and timeline requirements for escrow overage refunds? Do they somehow not apply to my loan? This is NOT that difficult.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.
Product: Credit card

I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, Experian, and XXXX for their persistent failure to address my disputes regarding unauthorized accounts on my credit report. I believe that their actions are in direct violation of 15 USC 1681e, which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

Despite my repeated attempts to dispute these unauthorized accounts, both XXXX, Experian, and XXXX have neglected to investigate my concerns adequately. They have failed to provide me with a clear explanation of their investigation process for disputed accounts, as required by law. This lack of response and failure to adhere to the law has caused significant distress and financial harm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602, I have the right to privacy. 15 U.S.C. 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer creditor plan as late for any purpose.
Product: Debt collection

I have an incorrect collection on my credit report without verification of debt. I do not have any contract with ERC ( Enchanced Recovery Copany ) and I have never done business with ERC ( Enhanced Recovery Company ). 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit reports and are causing my credit reports to go down significantly.
Product: Payday loan, title loan, or personal loan

i contact the company inform them this is not my account and that they need to stop reporting it to my credit i need this remove from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX account # XXXX, also People gas and lights account # 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 card

This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

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

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


DEPT OF EDXXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance DEPT OF EDXXXX Last reported XX/XX/2022 {$3400.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2022 {$3400.00} Reported balance 15 U.S.C. 1681 section 602 A States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.
Product: Credit reporting or other personal consumer reports

My personal info was exposed in a nation wide data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX  XXXX  and Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.
Product: Checking or savings account

In XXXX, XXXX I had hail damage to my car. The insurance adjuster made the check out to me and GM Financial. I unknowingly endorsed the check and deposited it. The bank put the deposit on hold until XXXX/XXXX/XXXX. Ill be XXXX XXXX XXXX. Since that time, XX/XX/XXXX, I have spoke with personnel at XXXX XXXX XXXX, they need a waiver signed by GM Financial to release the funds, since I am no longer indebted to them. I spoke with customer service, they told me they wouldnt sign anything and to sue the bank. I sent a registered letter with the waiver I needed signed to XXXX XXXX, VP and chief financial officer on XX/XX/XXXX. The letter was received but I have not had a response. The amount was {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.
Product: Credit reporting or other personal consumer reports

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - XXXX  - Credit Plus - XXXX XXXX - XXXX XXXX - XXXX XXXX None of the Credit Agencies will help me without CFPB or FTC assistance.

Thank you
Product: Credit reporting or other personal consumer reports

I am disputing the fraudulent reporting of the following accounts on my TransUnion credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX MOMNT account ending in XXXX These accounts were opened without my knowledge or authorization and have been falsely reported as charge-offs, derogatory, or with an open balance in the case of XXXX. Despite providing an FTC Identity Theft Report, supporting documentation, and prior disputes, TransUnion has failed to properly investigate or remove these accounts. This mishandling violates my rights under FCRA 15 USC 1681i. TransUnion 's failure to comply has caused unnecessary harm to my credit and financial standing.
Product: Vehicle loan or lease

I received credit hard inquires. I never applied for credit 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

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 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
Product: Credit reporting or other personal consumer reports

XXXX bank card is the credit company used by the Home Depot and Goodyear tire involved in this false and fraudulent debts under my name at XXXX credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social is XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has violated my FCRA Rights under violating of my US-CODES, reporting a XXXX XXXX XXXXXXXX XXXX account which is fraudulent and also has been deleted from all my other credit reports except Equifax.please delete this fraudulent account from my Equifax credit report immediately.
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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account XXXX Date opened : XX/XX/XXXX Account XXXX : 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 Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the child support accounts to be removed off my credit report to all 3 credit bureaus ; XXXX, Experian, and XXXX. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/2024. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX