23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TrueAccord is trying to collect a debt from XX/XX/XXXX for the amount of {$290.00} for XXXX XXXX. Have not spoken to XXXX or any collection agency about this balance being outstanding therefore have never admitted this balance is mine to restart a collection limitation clock. Not only Was I not aware I had a balance until XX/XX/XXXX which is now 14 years later and well past statue of limitation of 2 years to collect a cell phone debt and 4-5 years for state statue of limitations. They just started sending me letters and emails out of no where 14 years later.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with XXXX. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXXXXXX XXXX XXXX XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX. The loan was through them, although through a company called XXXX. 

I refinanced the loan with XXXX XXXX XXXX XXXX. They did not receive the title. XXXX says that they sent the title to XXXX XXXX but that is not my bank, or the bank whos check satisfied my loan. They refuse to fix it, I have called and spoken with supervisors. I am unable to register my vehicle in a new state because I do not have a correct title, and my refinanced loan is currently unsecured as they do not have the title. 

They need to electronically send the title to XXXX. They refuse to do so.
Product: Debt collection

ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
Product: Debt collection

My husband and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.
Product: Credit card or prepaid card

I had an offer to open an XXXX XXXX credit card managed by JP Morgan Chase, including an instant {$60.00} XXXX gift card. The offer invited me to give a little bit of information to pre-qualify without it hurting my credit score, which I did. The results came back with a congratulations you're pre-qualified for an Amazon Rewards Visa Signature Card. So I continued to the application process and it came back with a denial! It said XXXX will send me the reason in writing within 30 days. I feel like this is a total bait and switch, which has now just given me a 2 year hit on my credit score.
Product: Credit card or prepaid card

Comenity bank notified me that my XXXX account would be closed due to the XXXX acquisition. However, when I called to confirm this information I was told yes ALL XXXX accounts will be closed. When I pointed out that my husbands XXXX account would remain open after the acquisition, I was then told it is because their terms say " we can close your account for any reason at any time. '' This is an unfair practice with no justification. If one account can remain open after the acquisition then why must mine be closed. This will have a severely negative impact on my credit score and I have been give no real reason that my account will be closed on XXXX XXXX, 2017.
Product: Credit reporting

I filed an identity theft report, and when I tried to get my credit reports, they said that they were unable to process it at that time. The security questions they asked did not relate to me at all that I am aware of.
Product: Student loan

I am in an XXXX program and XXXX  on all my loans with MOHELA. I was placed into admin forbearance with no notice or explanation and can not get Mohela to respond or explain. I have had a new employment certification form listed as processing since XX/XX/16. I just want to be done with this process as it has been horrible. I just want some answers.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} ATTYGENERL XXXX Balance Owed : {$3800.00}
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. 

Account Name : ONEMAIN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : They replied to my complaint, but they failed to comment on my co-signer 's XXXX XXXX bankruptcy that last until XX/XX/2023. All other loans have not marked my accounts derogatory because of my co-signer 's XXXX XXXX. XXXX has also refused to talk to me over the period of several years. I'd like some kind of record of my calls, and refusal to allow me to speak to anyone about this. 

All other private companies have suspended payments until XX/XX/2023. They are not mentioning this and they have refused to speak with me over YEARS. 

I want their charge off removed from my account- they are criminal anyway, hence so many people getting their debt forgiven. 

I want a record of my calls, and I want them to address the XXXX XXXXXXXX of my co-signer, and explanation over why " they weren't allowed to speak to me '' over YEARS, and now this mark on my credit score. they are predators.
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. 

XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Bankruptcy # XXXX, has violated my rights XXXX 

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: Debt collection

I am not aware of an account listed by ARS Account Resolutions to my credit report. ARS ACCOUNT RESOLUTIONS has reported  XXXX as a collection balance I am requestion debt validation. Please provide a copy of the contract of this account, Proof that you are legally approved to collect on this account and The account balance details to me as required by the FCRA within the 30 day required time line
Product: Checking or savings account

Myself and many other customers of Capital One are not receiving our direct deposits. This issue has apparently been affecting accounts since Monday but Capital One sent out an email last night describing a vague technical issue. The email advised the issue would be resolved by Friday morning, it is now that morning and many XXXX  including me are still having our direct deposits withheld. This is an egregious issue as myself and many others are accruing late fees and bills are past due and I can not make these payments because I dont have my paycheck. Capital One still has the audacity to charge me late fees on my credit card account while they are experiencing this issue.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the XXXX data breach, has been sold and purchased illegally. Despite XXXX acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 


The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of XXXX acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with Experian but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : XXXX. XXXX acknowledgment of my victim status. 
XXXX. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

Sincerely, 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  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 or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT/DATABREACH.XXXX XXXX SAID SHE CHECKED HER CREDIT AND HE SEEN SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON HER CREDIT REPORT, SHE SAID SHE NEVER GAVE ANYONE PERMISSION TO RUN HER CREDIT.SHE SAID SHE NEVER RECEIVED ANY MONEY GOODS OR SERVICES FROM THESE COMPANIES.SOMEONE USED MY CREDIT PRETENDING TO BE ME.THE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY ( XXXX XXXX ) on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ) .Later I received a denial letter stating something different then reason i was told denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various XXXX XXXX XXXX  declarations. I don't believe the circumstances surrounding this record are accurate.
Product: Credit reporting or other personal consumer reports

Reviewing my most recent credit report it appears that a late payment 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was on income driven repayment. After being on it for a couple years they said they required my actual bank statements and bills to enroll me in another year. I refused since I didnt feel comfortable. They told me I couldnt stay in the plan and my payments would increase. I said I couldnt afford it and wanted to work something else out. They wouldnt work with me no matter how many scenarios I suggested. They told me to cash out my XXXX or for my parents to take out a 2nd mortgage, which is super inappropriate. Ive been trying over the last few years to work something out. Several months ago they sent me an offer that was pretty close to what I could afford via mail. I called the number with no answer. I left several messages that went unanswered. My loans got sold to another company. Theyve called my work and harassed me. I never gave them that number not permission to reach me there. They XXXX me and found it that way. I stated my office number was not public and they didnt have permission yet they called again ( instead of my cell I gave them ) and I got in trouble at work. I told them to call my cell or email and they still didnt. Ive emailed them several times to try and work out the same deal I was given by the previous company. They refuse to answer me and have dinged my credit and are not willing to work with me. Please help. I have a XXXX illness but am not so disabled that I receive disability. This situation is exacerbating my illness and making me feel like theres no end in sight nor anyone willing to help
Product: Credit card or prepaid card

Capital One has not communicated to me once via mail. All my requests for paperwork in writing have been denied. I walked into multiple branches and was sent away from each. The representatives of Capital One claimed that capital one does not allow people to apply for credit at any branch. 

When applying for the credit cards online capital one responds to me in a single email though I applied for multiple credit cards. Sending a single file they claim to be an adverse action letter, capital one alleges that information furnished without my consent ( and I have been actively trying to resolve this issue with the company ) is the basis for denying me credit. Capital one sent me this email three times in an attempt to respond to the other two applications. 

Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the organization. Capital One must satisfy this obligation by providing statements of reasons in writing as a matter of course to the consumer, applicants against whom adverse action is taken. Pursuant to 15 U.S. Code 1691 ( d ) ( 2 ), I, the affiant did not receive such and thus Capital One is in violation of 15 U.S. Code 1691 ( d ) as shown by Exhibit A.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : 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 an account without my written instructions.
Product: Credit card or prepaid card

Date : XX/XX/2019. Initial phone call from XXXX regarding transaction fraud using my credit card. with follow up staff transfers of supposed higher classification within the Social Security department regarding fraudulent use of my credit card account number and tied to XXXX XXXX and money laundering. I was told a voice recording was being made, that privacy had to be strictly observed regarding dissemination of any subjects discussed over the phone. That one interviewer could loose his job if I disclose any information regarding the details of our communication with each other. That I was to buy electronic gift cards for the available credit limit the from my credit card company and when asked if I was to supply the interviewer with those numbers so as to protect me against theft in the near future. An arrest warrant has supposedly been issued for me to be held but could be dismissed if I supplied the gift card account numbers. 
I cancelled my present credit card, notified the XXXX Country XXXX XXXX, IN operator on duty around XXXX XXXX and filled out this report to send to you. 

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

In accordance with the Fair Credit Reporting act XXXX and 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