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

I requested information from Veros Credit on numerous occasions. I owe more than what I borrow on this loan. I borrowed XXXX and now I owe XXXX and Im trying to figure how do I owe so much and havent had the vehicle for a year yet. Also I dont understand how my this company is not reporting my payments on time. How do I only have 1 % paid in 11 months at XXXX a month and XXXX down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX dealer services, 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: Mortgage

My mortgage is through XXXX bank serviced by Loancare. In XXXX I used 180 days covid Forbearance due to covid related income loss. I requested to end it after 90 days but they somehow had it continue and end after 180. I resumed payments, have never made a late payment. In XX/XX/XXXX I lost my job for having covid. I was out for XXXX  days, XXXX of which I had 102+ temps, was out on oxygen, etc. I returned to work on XX/XX/XXXX, and on XX/XX/XXXX the owner of the company told me covid was fake, that sick days werent for the sniffles, that I wasnt allowed to use my sick days for it, and after saying thats not legal in Nj, I was told he makes the rules, not the government, and was told to return my laptop and badge. I paid my XXXX mortgage, but researched and found that lenders are required to extend an additional 180 days of forbearance for covid related loss if the applicant requests. On XX/XX/XXXX I applied to extend my forbearance and received email confirmation that it was received and would be reviewed in 3 business days. On XX/XX/XXXX I called to follow up and they couldnt find the application. They had me reapply while on the phone and completed the interview. On XX/XX/XXXX I called to follow up again, and was now told that Both applications were missing, even though the notes from the XX/XX/XXXX call stated it was reapplied for. I applied a XXXX time, and emailed XXXX loancare through their help portal. On XX/XX/XXXX I received a call in response to my help request and was told they are not required to extend beyond 180 days. I submitted a XXXX application and called back. I was sent to loss mitigation, who confirmed they ARE required to extend an additional 180 days if requested, but when she tried to do it, she now found none of All XXXX applications, just the notes stating they were submitted. Again, I have email confirmation from Every application. She had no idea why they were deleted and told me to call back on Friday XX/XX/XXXX. On XX/XX/XXXX I call and theres still no record, and no one could tell me what to do. I applied a FIFTH time and I asked who I talk to about it because Ive been trying to apply now for over a month, and no one knew an answer. How are they not required to have their act together for this?? I guarantee this is going to Tank my credit score Tuesday even though I have done Everything I am supposed to do to request the forbearance that Im legally entitled to. I am hoping this will force someone that can actually do something about it, to help and correct the situation.
Product: Mortgage

XX/XX/XXXX I discovered that my mortgage payment increased tremendously so I researched it by calling my mortgage company. Customer Service transferred me to the insurance escrow department saying the increase was because I they did Lender Placed Hazard insurance on my escrow. I have had the same homeowner 's insurance for XXXX years without a claim. My mortgage company was bought out by this new company XX/XX/XXXXXXXX XXXX  so this new company has been receiving my mortgage payments + escrow since XX/XX/XXXX. My homeowners policy was to renew XX/XX/XXXX. While talking with the XXXX customer service rep about the insurance he said this has to be a mistake because he saw all the information pertaining to my purchased homeowners insurance so he said the additional insurance had to be added by mistake and he requested a reimbursement for all the costs associated to that and said it should be corrected in 24-48 hours. After discussing that I decided to call my insurance company just to verify everything is correct. When talking with my insurance company they said they never received payment from the mortgage company so my policy lapsed and of course on XX/XX/XXXX was cancelled. I called my mortgage company back and discussed the nonpayment of my policy. I explained I dont understand how it wasnt paid because they told me they had the invoice and all the information excluding the " XXXX XXXX  ''. They had all the escrow payment money, the invoice, the insurance information but yet didnt pay the policy renewal. The customer service rep told me it was because they didnt have the XXXX XXXX. She said they called the insurance company many times and never got an answer. My insurance agent and myself find that extremely hard to believe because they answered immediately when I called today. She even put me on hold and called my insurance company to see if they would reinstate my policy and when she came back to the line she said they were not able to reinstate me. I requested on her end she needed to talk to the proper people to get me reimbursed for the insurance policy that they assigned to my escrow as it was not necessary had they just paid my current policy. I then hung up and called my insurance company and asked to speak to whomever just spoke to the customer service rep from my mortgage company. The receptionist asked everyone in the office and no one spoke to my mortgage company. So the customer service rep didnt call them when she put me on hold as she told me she did. So again, did they try to call my insurance company for the " XXXX XXXX  '' like they told me they did or did they just not pay my policy renewal so they could force their over priced under insured insurance policy on me? I spoke to my insurance agent and was able to rush to get new coverage but I believe according to the research I have done on this issue the mortgage company should be responsible to reimburse me for costs associated to their negligence. The purpose of escrow is to know your taxes and homeowners insurance is being paid on time and in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inquiry Regarding Statute of Dear CFPB, I am writing to inquire about the reporting status of my account with XXXX  ( Account # : XXXX ) on my credit report. I would like to clarify the current status in relation to the statute of limitations. 
Based on my understanding, the statute of limitations for this debt has likely expired. I would appreciate it if you could provide confirmation regarding the reporting dates associated with this account and whether it should still be reflected on my credit report. 
If it is determined that the account is outside the reporting period, I kindly request that it be removed from my credit report as per the Fair Credit Reporting Act guidelines. 
Thank you for your assistance in this matter. I look forward to your prompt response. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I did not make these inquiries they are not mine. 15 USC 1681B. 

XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF PA XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX Balance : {$970.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Sirs, I am writing to you as a customer affected by the recent closure of my bank account and the return of funds made by Capital One Bank. 

On XX/XX/2024, I made a transaction through the XXXX platform with XXXX XXXX XXXX XXXX, a platform merchant specialized in the purchase and sale of cryptocurrencies, in which I sold XXXX XXXX using the person-to-person exchange method. ( XXXX ) provided by said platform. XXXX XXXX subsequently proceeded to send me the agreed funds through the XXXX service in different parts, detailed as follows : {$1000.00} USD in the name of XXXX XXXX {$1900.00} USD payable to XXXX XXXX {$980.00} USD in the name of XXXX XXXX {$890.00} USD payable to XXXX XXXX Once the funds were received, I proceeded to release the cryptocurrency funds corresponding to the transaction through the XXXX platform. 

However, on XX/XX/2024, I received an email from Capital One Bank informing me that my bank account had been frozen. Despite my multiple attempts to contact your institution by telephone, I did not receive a satisfactory response. Furthermore, I would like to point out that I will not be given the opportunity to defend myself or provide relevant evidence before they proceed to close my account and return the funds to XXXX XXXX XXXX XXXX. 

Finally, on XX/XX/2024, Capital One Bank proceeded to return part of the funds received to XXXX XXXX, specifically {$1900.00} USD to XXXX XXXX and {$890.00} USD also to XXXX XXXX. 

It is important to note that I have been unfairly accused of fraud by Capital One Bank, despite being the affected party in this transaction. Not only could this situation have negative consequences on my credit history, but it also means the loss of considerable funds for me. 

It is alarming that, despite my efforts to contact Capital One Bank to resolve this matter fairly and equitably, I have been denied the opportunity to appeal the decision made by your institution. 

In light of the above, I demand that a thorough review of this case be conducted and that the relevant funds be returned to my bank account. I also requested a formal apology for the inconvenience caused and a public clarification of the situation to avoid further damage to my reputation. 

If I do not receive a satisfactory response within a reasonable time, I reserve the right to take additional legal action to protect my rights and interests. 

I look forward to your next response and cooperation in resolving this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX and the credit bureau TransUnion, XXXX and XXXX, I even conferenced a call with TransUnion and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
Product: Debt collection

A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, Consumer currently residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing the complaint because XXXX XXXX XXXX sent a consumer credit report for XXXX XXXX XXXX, Consumer on XX/XX/XXXX, confirmation number : XXXX, stating that, " The disputed item is not currently reporting on the XXXX CREDIT FILE. COMPANY NAME : XXXX XXXX ; ACCOUNT NUMBER : XXXX. '' However, this is false and misleading information seeing as though XXXX XXXX is still reporting on the XXXX credit file of XXXX XXXX XXXX as of XX/XX/XXXX on multiple platform including XXXX  and XXXX XXXX. I spoke with XXXX an XXXX customer services representative, who provided confirmation number : XXXX, stating that, " the report was sent after XXXX XXXX agreed to remove the account from the XXXX credit file of XXXX XXXX XXXX, Consumer. This account should no longer report on the XXXX credit profile of XXXX XXXX XXXX. '' This conversation was recorded by XXXX AND XXXX XXXX XXXX. XXXX also reported on the Consumer Financial Protection Bureau, Case Number : XXXX, that this account is not reporting currently reporting. However, it is still reporting. 

XXXX has already removed this inaccurate, negative, inequitable account from the credit file of XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Product: Debt collection

In XXXX I installed an alarm system with XXXX. In XXXX I called to cancel the service because of a drastic increase in the payment amount. Although the company agreed to cancel the service, I noticed the charge on my credit report from a collection agency in the amount of XXXX. After I disputed the charge with the collection agency ( XXXX XXXX ) they removed the charge from my credit report. Today, the charge was placed back on my credit report by a new collection agency named Zions. When I contacted Zions at XXXX, I was met with insults, threats, and profane laced language. I want this charge removed from my credit report since I dont owe them anything. Thanks
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX