23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has blocked me from filing any dispute with this company online. I called on XXXX and submitted a dispute. Experian did not send this dispute to the company to investigate. I was sent a message within 30 minutes after submitting the dispute that the results are ready. I did the same thing on XX/XX/2021. Same results in 30 min. After I submitted the complaint Experian decided to reopen the XX/XX/2021 dispute. I have filed a complaint with the Attorney Generals office they have all paperwork for this dispute. Experian has violated my rights as a consumer. I currently do have an attorney that will be contacting them very soon.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

While vising XXXX my debit card was transacted for $XXXX  and debited from my account. Wells Fargo said because my PIN was used that i gave someone permission and closed my claim. This is untrue as no one has my PIN and my card did not leave my procession. there was also 3 other denied transactions leading up to the amount in question. Why  didn't wells Fargo stop my card then, when it was evident that someone was trying to access my account? The occurrence happen XX/XX/19. Please help me.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit card or prepaid card

Citi Group Issued Double cash card. For example, charges from XXXX appeared starting XX/XX/2020. I HAVE NOT USED XXXX IN XX/XX/2020AND I HAVE NOT AUTHORIZED ANYONE TO USE MY CREDIT CARD TO PAY FOR XXXX. I HAVE NOT BEEN in XXXX XXXX or other cities/stated the crarges originated from in XX/XX/2020. 
Multiple times I informed the credit card by online messaging and on the prone about a number of fraudulent charges starting XX/XX/2020. fraudulent charges. At the moment AFTER MULTIPLE ATTEMPTS FOR MANY DAYS I am unable to access my online credit card account. After long wait, after reaching customer service representative the either hang up or transfer again to the waiting queue without doing anything. 

The CIti online system does NOT work! I am unable to reach my credit card account! 

I will NOT pay my current statement charges loaded with fraudulent charges unless they are removed and the breach is addressed by Citi Group.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA XXXX sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used XXXX 's name to report the debt to the XXXX credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the XXXX credit bureaus against XXXX XXXX : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting XXXX XXXX to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted XXXX departments of XXXX  XXXX. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that XXXX changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching 137 %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called XXXX XXXX again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number. 

I filed a complaint with CFPB and reported to FTC, requesting XXXX  XXXX to immediately delete the account from the XXXX credit bureaus.
Product: Credit card or prepaid card

In the statement ending XXXX, I read clearly that the deferred interest balance was expiring on XX/XX/XXXX. In order to pay the deferred interest balance, Barclay 's instructs the cardholder on the statement to pay the minimum payment and any amount above the minimum payment made in the last two cycles before the expiration date will be applied to the deferred interest balance. I called the Barclays helpline on XX/XX/XXXX after looking at my bank statement to confirm that I was in the last two billing cycles. The Barclay 's representative confirmed that I was. After hanging up with the Barclays representative I made the payment that same day for the deferred interest amount {$1100.00} and another payment of {$170.00} to cover the minimum payment. Both payments were processed and reflect in the next statement ending XXXX. The amounts however were not applied to the deferred interest balance only to the regular balance and the expiration date of the deferred interest payment had changed to XX/XX/XXXX.
Product: Credit reporting

DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT
Product: Debt collection

I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.
Product: Consumer Loan

TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my credit so that I can obtain a new credit card. I originally froze my credit through the equifax website 's " myEquifax '' account. Upon entering my information into the website, I was presented with a simple " call us '' and a number instead of simply logging me in. My attempts to get the situation remedied have been muddled by employees at the company doing nothing to aid me. Equifax seems to be pushing individuals towards its new " lock and alert '' service instead of its regular, convenient, and FREE service " myEquifax ''. Please look into this. Tell them to fix their website and stop pushing a service that no one wants or needs. A quick search online has revealed that this " issue '' is affecting thousands of people but nothing has been done.
Product: Debt collection

XXXX XXXX XXXX XXXX Account # XXXX This account is listed twice on my XXXX credit report with two different balances but same account that is false and fraudulent.

I'm requesting debt validation, assignment contact, purchase agreement and method of verification who was interviewed regarding this account. 
I'm disputing factual data it's impossible and fraudulent to have the same account number with different balances. Provide me all the information above by email or mail within 5 days or remove these accounts immediately
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, 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 or other personal consumer reports

FactorTrust continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and FactorTrust has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute an account that has been reported on my credit report, which I believe does not belong to me. The details of the account in question are as follows : - Creditor Name : [ Creditor Name ] - Account Number : [ Account Number ] According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA allows consumers to request the identification of the sources of information in their credit reports, and Section 611 provides the right to dispute information that is not accurate, relevant, or timely. 

I have thoroughly reviewed my records and can confirm that this account is not mine. I kindly request that you conduct an investigation into this matter and remove the account from my credit report immediately, as it is causing undue harm to my creditworthiness.
Product: Credit reporting

I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX federal credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports are still showing inaccuracies.

15 U.S. Code 1681s2 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Product: Debt collection

This is XXXX XXXX submitting this CFPB Complaint requesting to immediately remove this account from my Credit File. The Account NAVY FCU is reporting on my personal credit file with XXXX and XXXX credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX  ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XX/XX/2018
Product: Checking or savings account

On XX/XX/2022 I cashed a personal check from my lawyer for a settlement I won in the amount of {$8100.00} at Huntington bank. I cashed via mobile deposit. The funds were said to be on hold until XX/XX/2022. Immediately after cashing, my account was locked. When I called the bank they said that once my check cleared on XX/XX/2022 that my account would unlock. Once the day arrived, my husband was able to see that the check cleared but my account was still restricted. When I called back to inquire, they said they were waiting to hear back from the issuing bank- XXXX XXXX, to ensure the check wasnt double cashed. It is now XX/XX/2022 and I still cant access my account or money. I tried reaching out to the issuing bank but they wont give me info. I also reached out to my lawyer and he confirmed that the check was only cashed once. Although, my husband is still able to view the account and transactions, we are unable to make any debit purchases. However, ACH payments/purchases are being paid. This confirms even more so that the check has cleared and money is available. Ive called multiple times and I keep being told that they are still waiting to hear back from XXXX XXXX and cant give me a timeframe. I completely understand security and fraud precautions but Im frustrated and uneasy because I deserve access to MY money.
Product: Mortgage

I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please help.
Product: Debt collection

On XX/XX/2024 Portfolio recovery associates dropped my credit XXXX points with unauthorized and unverifiable information.
Product: Debt collection

In early XXXX of this year 2023 I noticed a collections on my credit report for a company called credence resource management, reached out to the credit bureau to verify that I was seeing this debt correctly, and I was told to dispute it with the creditor so I sent off a debt validation letter on XX/XX/XXXX and I did not receive anything in return. I waited until early XXXX and not only did I not receive a response to my debt validation. I check my credit report and it showed that they noted the dispute on my credit report, and said it was resolved, and found to be correct, I got no notification of any communication from the debt collector, yet the debt dose not belong to me nor did they respond to my validation letter and falsely stated that they spoke with me and found that that was correct due to communication between myself, and the debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED AN FTC REPORT AFTER SEVERAL TRIES OF ASKING THE COMPANY FOR ASSISTANCE WITH THIS FRAUDULENT DATA ON MY FILE. NO ONE IS HELPING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on XXXX that shouldnt ne on my report, and 5 on experian that shouldnt be on my credit bureae period,
Product: Credit reporting or other personal consumer reports

The year of XXXX  I contracted XXXX XXXX and it was very bad, I became very ill and as a mother of XXXX, I contacted the company bc I didnt want to get behind on my vehicle and I let them know I will be doin a volunteer surrender bc its the right thing to do when you are in a bad situation, I return my vehicle, I waited to receive mail or some kind of documents for to see if I could schudule payment arrangements on the owning balance, I never received anything but reporting on my credit bureaus and they are reporting inaccurate and in violation of my FCR
Product: Credit reporting

This is listed as an adverse account placed for collection. It states joint, open account but paid in full. I am single and this date is over 5 years ago and I was single then too. It states updated 2015? I do not have an account with them and never had any joint accounts? It states paid in full but has not been removed? Please have this removed. It is Transunion and the adverse account is XXXX