23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX XXXX were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX EMPLOYER - IXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Product: Mortgage

I refinanced my mortgage through my original lender ( Lakeview Loan Servicing , LLC - XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX and it was completed in XX/XX/XXXX. I provided my insurance policy ( ies ) information and they were included in my closing package. First, my homeowner policy was canceled due to non-payment, though I had plenty of escrow available. I contacted XXXX  ( mortgage servicer ) and it was resolved and policy was reinstated. Then I was notified XX/XX/XXXX, that my wind insurance was canceled ( XX/XX/XXXX ) due to non-payment. I contacted XXXX again, and they were showing a valid escrow amount, but the title company XXXX or XXXX marked the policy as paid. I learned this after speaking with XXXX XXXX on XX/XX/XXXX. Mr. XXXX advised me to contact XXXX, which I have done twice via VM as they do not actually speak with you, and via email, with no response. I do not believe I should have to resolve this due to the lender 's error. I have tried numerous times since XX/XX/XXXX to contact the lender, but their IVR sends you into a perpetual loop that never connects you with a live agent. This lender has made errors on every refinance I have performed, to include when they violated a previous refi contract where the refi fees were to be rolled into the new principal, but they instead used my escrow to pay the fees and my policies were canceled. This was only resolved after mailing a letter to the CFO. I have 30 days from the date of policy cancellation ( XX/XX/XXXX ) to have it reinstated. Please expedite if possible. Thank you.
Product: Checking or savings account

I have been a customer with Wells Fargo since about XXXX, having a personal checking as well as a savings account with them. 
around XXXX I was talked into opening business accounts with them. it's not that I was young at the time, but I was not savvy as to why that would benefit me. the young fellow working at the bank spun it to sound like it was needed. 
the XXXX new accounts, a business checking and business savings accounts have monthly charges of {$30.00}. I have never received any account protection, or special services for these fees. in fact, as memory serves, I have paid overdraft fees on more than a few instances while having these accounts. so what is the purpose of having my money in an account I am paying monthly fees for if I am not receiving any benefits?? 

I feel as if I were conned by this bank employee into a situation where the bank is making money of their customer, me. 

the reason I am here, writing this report is that their current class action situation has come to my attention I do intend to close the XXXX business accounts and return to my XXXX personal accounts as I am not benefitting from these business accounts and I am in fact paying for ultimately nothing
Product: Payday loan

In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.
Product: Checking or savings account

It's been a issue getting everything out of the show me time I've called in to complain. I finally receive a replacement card but I went about almost 3 months without a card. And during XXXX time it may be very hard. Finally receive one after many months You command it with me a lot. Due to was around XXXX time XXXX. My birthday 's in XXXX. My daughter 's birthday. When I finally do receive a card I still begin to have issues, overdraft fees, and disputes do not get fixed. They have not been fixed, bank of the west has went to bmo and barely a fraudulent case was made by bmo nit bank of the west The bank has my change of address. 
I have yet to receive dispute form? But instead got ta letter or paper in the mail saying that I am overdrafted and to basicallypaid up. But yet I have not received a dispute form to fill out by mail or anything This is very inconvenient given that I stayed Arizona where I have to drive about an hour and XXXX minutes to go to the bank or go all the way back to California and find a local bank. Many issue has been going on with my card since 2022 of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and attorneys are prohibited from deceiving or misleading XXXX while trying to collect a debt. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. XXXX XXXX XXXX XXXX and attorneys are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. The federal law that prohibits this is called the Fair Debt Collection Practices Act ( FDCPA ). False Statements. XXXX XXXX XXXX XXXX and attorneys may not falsely claim or imply that : Consumer have committed a crime by not paying a debt. Consumer was contacted by XXXX XXXX Judicial Services, XXXX Michigan and was informed that Consumer was being criminally charged ( Case # : XXXX ) for Breach of Contract and Defrauding a Bank for a XXXX XXXX  XXXX, not only is this not the vehicle in question but the date and amount is also incorrect and CFRP states that if there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only has the re-aging allowed a collection to remain on my credit reports in-perpetuity, but has seriously destroy my credit. Consumer was then informed that she will be arrested or imprisoned if not paid by XXXX XXXX from XXXX XXXX. Consumer also received a phone call from my bank XXXX XXXX stating XXXX XXXX XXXX XXXX and Attorneys have attempted to seize bank account but was denied. XXXX XXXX XXXX XXXX and Attorneys are also prohibited from : Misrepresenting the amount Consumer owe or the status of the debt, Threatening to take action that can not be legally taken or that is not intended to be taken, Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency. Consumer has sent XXXX XXXX XXXX XXXX and Attorneys several cease and desist letters which they have not honored regarding this civil matter.
Product: Debt collection

XXXX XXXX XXXX XXXX who works for American Express constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to American express when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to American express and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XX/XX/2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.
Product: Credit card

I recently filed a formal complaint and received a response that was completely fabricated. Furthermore, I have experienced retaliation from the company after filing the initial complaint with my credit limit being decreased and adverse action even though a recent payment has been made. 

I will blast a bad name for this organization going forward and am appalled at how they treat customers and increase fees as they see fit. As a person with a XXXX level education, to the CFO of this company, not sure how you sleep at night knowing your company is the exact thing wrong with this country. Terrible display of corporate power to stomp on the little guys trying to stay above water.
Product: Credit reporting 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. 
XXXX, XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX has XXXX 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 XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

I received a summons in the mail on XX/XX/XXXX on XX/XX/XXXX my employer notified me of a wage garnishment that would take place immediately.. which is the first communication I had with these people.. The original debt was over 13 years old, I dont know who these people are that have sent a wage garnishment to my job and now taking money from my check. I was not properly notified about this old debt and intent to garnish or even time to settle. So this was done improperly and unfair practice of a collector and debt that was old.
Product: Vehicle loan or lease

I sold my car, XXXX XXXX XXXX, on XX/XX/XXXX. The dealer sent the check to pay off the loan, which was processed on XX/XX/XXXX based on the confirmation mail from XXXX XXXX XXXX. Since then, XXXX XXXX XXXX  has delayed the lease of the lien, blocking the completion of my car sale over one month. I have contacted them several times, and they have made unrealistic and false excuses. The most recent excuse for this delay was that their request to release the lien was reject by the Virginia DMV, where the title is currently kept. The email communication with the Virginia DMV indicates that they have actually never submitted the request. The car VIN No is XXXX. My account no was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed.

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter on XX/XX/21 asking Transunion and XXXX  to provide documents on how they verified *XXXX XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX am and XXXX pm EST. Dont send any XXXX XXXX XXXX  or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX   account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 

XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

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

I am XXXX XXXX XXXX of LA XXXX XXXX XXXX XXXX # XXXX. I'm complaint against Experian business credit report that have inaccurate XXXX filing. The Fraudulent XXXX are established on the Experian Business credit report due to Identity Theft. The California Secretary of State granted a XXXX Termination against the Fraudulent XXXX filing established due to Identity Theft. All supporting information attached. Experian Business are violating our fair business credit rights by attempting to post a fraudulent XXXX filing on the LA XXXX XXXX XXXX XXXX # XXXX, Experian XXXX credit report. Supporting documents attached. We're feeling LA XXXX XXXX XXXX are discriminating on LA XXXX XXXX XXXX by continuing to post inaccurate UCC1 information on LA XXXX XXXX XXXX Experian business credit report after all the board of directors sent Experian Business Commercial many complaints to remove inaccurate UCC 1 information.
Product: Debt collection

Received letter in regards to an alleged debt from 1996. Original debt supposedly came from The Credit Store, possibly also known as XXXX. I never had any business dealings with this company.
Product: Credit reporting or other personal consumer reports

Dear SPRINGOAKCAP, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that SPRINGOAKCAP has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that SPRINGOAKCAP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that SPRINGOAKCAP will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are alleging I owe a debt that I do not. Neither credit bureau has sent me any evidence to support this claim and furthermore the note that is being used is the security that belongs to me. This debt has been canceled with the IRS and reported as income so therefore it can not be reported.