23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The complaint is with Capital One. I have had this account for 17 years. I was a XXXX XXXX before I retired 5 years ago. I am XXXX XXXX XXXX. I was going out of town for 10 days in may and before i left I made my credit card payment. I made a mistake and paid them {$100.00} instead of the {$200.00} that I have been paying. They notified me about on the around the XXXX or XXXX of XXXX and paid them another {$100.00}. The next thing I knew my interest rate went from 6.5 % to 24.65 % and a late fee of {$39.00}. They also told me that I was late on my payment in XXXX of 2017. I had made a payment on the XXXX of XXXX and one on the XXXX of XXXX and they posted both in the month of XXXX and then said I did not make the XXXX payment. I learned not to make two payments in the same month. I also made a {$11000.00} payment the first part of XXXX because I received a large check from one of my customers. I deposited thie check and all was well, I thought. After 6 or 7 days my bank notified me that that large check had been returned unpaid. Therefore Capital one 's payment of {$11000.00} was returned unpaid. I immediately made my {$200.00} payment to Capital one, but they showed a returned payment that went against me. My interest has gone from $ XXXX {$65.00} a month to {$240.00} and more per month. I have written letters to them and the only thing they have said id that if I make my payments for 12 months then they will review my account and make a decision about lowering the interest rate and reversing the late charge. I have even written to the CEO, Mr XXXX XXXX XXXX and have not received a response. I am on social security and can not pay this amount of interest. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies to Grain XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, through the dispute resolution process, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed XXXX  investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I went to the car dealership I applied for a loan with XXXX when I checked my credit I have like 10 inquiries
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. Act Name : XXXXXXXX XXXX XXXX, Act Number : XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY WILL NOT REMOVE THE INACCURATE INQUIRIES THAT ARE ATTACHED TO MY CREDIT REPORT. Recently upon viewing my report Ive noticed a bunch of inaccuracies, upon me reaching out to the company they assured me Id have to reach out to the original creditor which I have, they can not verify the inquiries and have no explanation as to why the companies ran my name. I am demanding this company removed them!!
Product: Mortgage

Member first mortgage continues to report an incorrect balance due to the credit bureaus. 
XXXX XXXX XXXX reported an increase to the balance due of XXXX. XX/XX/XXXX reported an increase of XXXX to the balance due. XX/XX/XXXX reported an increase of XXXX to the balance due. So, they reported a balance due to the bureaus of XXXX But if I login to my account, the actual balance due is XXXX approximately. I have asked them multiple times to fix it starting XX/XX/XXXX. Instead of fixing it, they added more to the balance XX/XX/XXXX. I keep getting excuses from them that they are working on it, it's a system error, blah blah blah. A dispute has been filed with XXXX and also a complaint with the local XXXX. Nothing has been done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of collections, charge-offs, inquiries, and closed accounts on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, that I am disputing the following items : XXXX XXXX XXXX List of Disputed Accounts : XXXX XXXX / XXXX - Type : Collection - Issue : Reported inaccurately and unverifiable. 

XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX  / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 


XXXX XXXX XXXX XXXX XXXX Type : Closed Account - Issue : Misleading or inaccurate reporting of status. 

Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to : 1. Investigate disputes within 30 days of receipt.

2. Provide a written response including the outcome of their investigation and any changes made to the credit report.

3. Provide documentation used to verify the accuracy of the disputed information or remove unverifiable information from the report. 

Despite my previous attempts to resolve these inaccuracies directly with the credit reporting agencies, they have failed to comply with their obligations under the FCRA. As a result, I am escalating this matter to the CFPB for immediate assistance and enforcement action. Furthermore, I demand that the disputed accounts be removed from my credit report within 4 days of receipt of this letter to prevent further harm to my credit profile. 

Please find enclosed copies of my credit report with the disputed items highlighted, as well as any supporting documentation. If further information is needed, I can be reached at XXXX Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure compliance with federal law and resolve these disputes promptly. 

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

I filed a dispute with XXXX  against a collection agency by the name of Genesis Credit Management, LLC., that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XX/XX/XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. XXXX updated me and told me the account is going to stay on my file because Genesis Credit quickly responded, lied and told them the account is valid. XXXX hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called Genesis Credit today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX  credit report today, and they've also added Genesis Credit to that report as well. Unlike XXXX showing it as an owing debt, it's listed on my XXXX  report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK and a few accounts are on my report that's not mine.
Product: Debt collection

A collection agency called Admin Recovery has been calling my workplace. I 'm usually too busy to take personal phone calls while I 'm working so a coworker will take a message for me. This evening, a representative who called himself " XXXX '' called after I had already left and told my coworker that if I did n't call him back that he was going to call my company 's corporate office to complain and he hung up on her. I do n't appreciate my job being threatened over something like this. The behavior being exhibited by this company is, in my opinion, highly unethical. I moved last XXXX and none of my mail got forwarded. It took a while to get it settled and put me really far behind on some of my bills. I 'm catching up as fast as I can but I 'm a single mother working XXXX hours a week in a XXXX and it 's hard. I ca n't believe that man would threaten to call corporate on me like that!
Product: Credit reporting or other personal consumer reports

The following information currently listed on my Lexis Nexis Consumer Report : XXXX, Case Number : XXXX is fraudulent and inaccurate information and does not belong to me : The entire Address Characteristic Record, Phone Records, Criminal Offense Records and Inquiry Records. The only address I have ever lived at is my current address which is XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, the only phone number I have ever had is my current phone number of ( XXXX ) XXXX. I do not have any criminal record.
Product: Credit reporting or other personal consumer reports

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

XXXX XXXX, XXXX. 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured LOC Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Mortgage

I am one of the unfortunate folks to have my mortgage loan servicing assigned to Select Portfolio Servicing, XXXX, UT. Ever since my  mortgage servicing was assigned to them, I have not been receiving monthly statements in a timely fashion. For example, last month 's statement was supposedly printed on XX/XX/XXXX and mailed. The due date for payment was XX/XX/XXXX. I didn't receive the statement till XX/XX/XXXX w

ell after its due date. And this has been consistent since given the sad news that my mortgage servicing had been assigned to this joke of a company. I have contacted them both by telephone and in writing on several occasions to discuss my experience. The response I have gotten is essentially, " it sucks to be you. We aren't going to do anything about it. So the process I am forced to do, is
wait for the statement to be published on their website. It is never consistent and usually shows up several days after it was " printed. '' I have to download it, print it out, fill it out, write out an envelope, put a stamp on it and mail it in if I want it to show up ahead of the due date. The response I have gotten back is that " we aren't doing anything
wrong '' and to " check with the post office. '' This isn't an issue for the post office. All of my other bills show up on time. This is the only one that doesn't.

I have not been able to speak to anyone beyond customer service to get this straightened out. They won't let me despite asking. Their cavalier attitude when it comes to " customer service '' is beyond reproach.

All I am asking for is a timely statement. You'd think that wouldn't be  much to ask. Seems everyone else I do business with provides timely statements. Nope. Not SPS. I maintain a 825+ credit score and am  XXXX about making timely payments. It frustrates me to no end that I can't make a simple request of a mortgage servicing company like this and being treated as a second class citizen. If there was any lick of common sense exhibited by SPS, you'd think they would want to resolve it. Nope. Instead, common sense remains elusive and out of reach. 

I am frustrated and mad that I am stuck with this joke of a company when I didn't ask for it. And I am angry as XXXX I can't do anything about it.
Product: Credit reporting or other personal consumer reports

After I filed a complaint against them with DMV complaint center XXXX XXXX is taking care of my case he is investigation officer from Texas DMV, he recommended me to file a complaint with you guys because it's a fraud case for credit bureau, please read my entire email, the dealership ( motor world licence number XXXX  XXXX ) sold me a car back in XXXX XXXX  never filed the tax, in XXXX asked me to return the car because there was some issue with the title ( they said ) and promised me to refund my money but when I got there they denied instead refund me they forcely sold me this second car, and never removed the first from my credit that effected my credit badly, and for the second car he sold me back in XX/XX/XXXX never gave me the tags till XX/XX/XXXX was keep saying they have filed the tags it's from DMV making delays, I been to DMV 2 times they said it was filed once and declined right away because the dealer put wrong info about the or no car exists with that VIN, they manager of DMV asked me to file a complaint against this dealership because it seems fraud because these dealerships sells one car twice the title they put in title loan companies to borrow money and physical car they sells to the customers which makes forever to get the tags the story was revealed by DMV, so when I filed a complaint online and XXXX XXXX start investigating and reached to the dealership he immediately agreed to refund me, once I got to the dealership at about XXXX XXXX  back on XX/XX/XXXX he started playing again XXXX XXXX is witnessed of all situation, then by XXXXXXXX XXXX his DAD came up with tags, my request is to take action against this dealership and also please help me to return the car and get my refund it's a fraud and miss use of clients credit thanks, they never removed first car from my account damaged my credit until DMV started investigating it, and credit went on repo please help thanks Sent from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Cavalry Portfolio Services for their illegal and unethical actions regarding my consumer credit report. The actions of this collection agency are in clear violation of the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Cavalry Portfolio Services has failed to provide debt validation as required by law. Despite my request, they have not provided the necessary documentation to substantiate the debt they claim I owe.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - I have not been provided with an opportunity to dispute the account in accordance with this regulation. I have not been given the required information to dispute the account, which deprives me of my rights to challenge the validity of this alleged debt.

3. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) - Cavalry Portfolio Services is violating my consumer rights by furnishing an account to consumer reporting agencies without providing the legally required disclosures. They have misrepresented the information they report to the credit bureaus, which is unlawful. 
Additionally, the collection agency has used false, misleading, and deceptive practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions have caused confusion and harm to my credit report and consumer rights. 
Therefore, I am formally disputing any and all debts allegedly owed to XXXX XXXX XXXX. I do not acknowledge owing any debt to this collection agency and demand that they cease reporting any such debts on my credit file. 
Furthermore, I am requesting the following : 1. Debt Validation : I require a full validation of the alleged debt, including but not limited to the original creditor 's name, account number, the amount of the debt, and documentation showing that Cavalry Portfolio Services has the right to collect the debt.

2. Purchase Agreement : I request a copy of the purchase agreement or any other document that shows that Cavalry Portfolio Services legally acquired the debt from the original creditor.

3. Licensing and Bonding Proof : Please provide proof that Cavalry Portfolio Services is licensed and bonded to collect debts in accordance with applicable state and federal laws.

Additionally, I am revoking all rights of Cavalry Portfolio Services to communicate with me through any means, including but not limited to email, text, or phone calls. Any further attempts at communication will be considered a violation of my rights under the Fair Debt Collection Practices Act. 
I also request that the Consumer Financial Protection Bureau investigate these violations and take the necessary steps to enforce my rights as a consumer. Please ensure that Cavalry Portfolio Services removes any inaccurate or misleading information from my credit report.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if further information is required.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.