23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft as a result an account was placed in collections for a company called XXXX XXXX XXXX XXXX. I filed a police report years back when I learned of the account. However a company by the name of XXXX XXXX XXXX appears on my credit in this regard.I have sent several letters to the company and they have gone unanswered and the fraudulent data still remains on my credit.I have sent letters to the location in XXXX, Arizona. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database.They never contacted me before placing the debt on my credit.
Product: Credit reporting or other personal consumer reports

There is an unauthorized credit inquiriy on my consumer report. Please delete this inquiry as I did not give anyone permissible purpose to run my credit. Attached is the FTC report filed in this matter. The inquiry is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to access my credit report with Equifax. They asked me to verify information that does not belong to me, where I do not know it, AND THERBY WAS UNABLE TO EVEN GET MY CREDIT REPORT TO DO ANY DISPUTES. to I tried to make a complaint with the cfpb because this is a violation OF THE FAIR CREDIT REPORTING ACT. The CFPB allowed Equifax to simply pass it off as make disputes when I CANT make a dispute BECAUSE I CANT ACCESS MY CREDIT REPORT TO GET THE INFORMATION TO DISPUTE IT. WHERE NOW THE CFPB IS VIOLATING THE FAIR CREDIT REPORTING ACT as well. IF ONE CAN NOT ACCESS THE CREDIT REPORT THEN THEY CANT DISPUTE THE INCORRECT ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter XXXX, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open Santander has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX  I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX COMPLAINT that I am a victim of identity theft and I COMPLAINT to dispute certain ITEMS in my file resulting from the crime. The ITEM am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. BK OF AMER XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}. This account is unknown to me. Also, the information provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) this item must be removed from my file.
Product: Debt collection

According to the FCRA account, FAIR COLLECTIONS AND OUTSOURCI has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. 



Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquires from my credit report as they do not belong to me. I've included an identity theft report as well. 

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
Product: Student loan

Contacted company on XX/XX/XXXX to request the correct monthly amount due. The account online listed one amount, the auto pay listed a different amount and the billing statement listed a third different amount. In the mean time I am enrolled in auto pay so they are still taking money but then emailed me every month telling me I am missing payments and that I am not making payments. I have contacted them on XX/XX/2023 and never received a response. I contacted them again on XX/XX/2023 and have still not received a response. My first auto debt was deducted for {$200.00} then increased in XXXX to {$230.00} and then again in XXXX to {$280.00}. There has been zero communication on why the increase or what it is based on. I keep getting emails from them telling me I have an overdue balance and missing payments but they have still been deducting the auto pay amounts.
Product: Vehicle loan or lease

I believe my car was illegally repossessed. The dealership, XXXX XXXX in XXXX, KY, tricked me to come back to the dealership by stating I had to come to sign some paperwork on XX/XX/2022. They then proceeded to tell me my car was being repossessed and I had to give it back to them. I put almost {$5000.00} down on that car, and they will not give me that money, told my husband and I not to call them, and will not return my phone calls. I spoke with the lender- XXXX XXXX XXXX and they told me there was nothing they could do, because I had been 2 weeks late on making a payment. The payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : ALLY FINANCIAL XXXX XXXX XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION XXXX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office. 
3. File a complaint with the XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX Portfolio Recovery XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Case Number XXXX. On On XX/XX/XXXX The court ruled against them because they could not prove they own the debt. But they are still reporting it on my credit reports. They are also reporting a charged off account from XXXX XXXX that they have not provided any lawful evidence that they own the debt such as purchase and sale agreement, chain of title or forward flow agreement with the account in question listed on it.
Product: Mortgage

Thank you so much for this opportunity. During COVID I applied fro forbearance and I was not able to make payments for 4 months. Afterwards, the mortgage company asked to modify my loan and I turned in everything I was supposed to turn in. Then they doubled my payments from XXXX to XXXX. I told them that and they refused. I continued to make payments every month and applied again with them. Anytime, I call, suctomer service judge and harrass you instead of trying to help you. They degrade you to a point that you get upset and angry on the phone. At a point I reached out to their president for help. I emailed an she never even acknowledge nor pick up the phone. These company seems like they want to find a way to foreclose on you no matter what and not try to help. The company is Fayservicing. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Wells Fargo Acct # : XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX, Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Wells Fargo has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I accepted a pre-approval offer for the BB & T Bright card and was approved with an $ XXXX startling line. On XX/XX/XXXX I checked my XXXX XXXX  report and noted that a new account from BB & T was appearing. On XX/XX/XXXX I received an email that my new card was in the mail and would arrive soon. On XX/XX/XXXX the card arrived and I activated it using the automated system. I then attempted to set up online banking and received an error that the account was locked for too many login attempts. I immediately called BB & T 's customer service to fix this, and was told the account must be too new and hadn't been set up completely, and was transferred to card services. The rep questioned when the account was opened ( to which I responded that I had just received the card, the account is brand new ). I told her I was trying to set up online banking to manage my account and she rudely scoffed and said " ma'am, this account is closed. '' I asked what she meant since I had literally just opened it, and she said " it was closed by the risk department on XX/XX/XXXX, you'll receive a letter in the mail with details. '' While I am absolutely appalled by the fact that the bank would approve my PRE-APPROVED application only to immediately close the account, I can understand that underwriting has changed in this climate and on further review they may have decided I was too much risk. What I can not accept is that they have already started reporting the new account, which decreases my credit score due to the average age of accounts decreasing. It is not enough to simply close the account and report it as closed, they need to immediately remove the account from reporting, period, since it should apparently not have been opened in the first place. Additionally, as I would not have applied without the pre-approval, any inquiries that appear also need to be removed. 

I have reached out to BB & T via their CEO email line and received no response, hence the complaint.
Product: Mortgage

I originally had a mortgage with XXXX XXXX XXXX  in Delaware. My loan was sold to Shellpoint Mortgage. I received a county/local tax bill late XXXX  saying I owed {$2300.00} ( $ XXXX county tax, {$1800.00} school tax ). I noticed the bill would be due XX/XX/XXXX or so. I called Shellpoint and was told the account was not set up to pay out of my escrow account - I was then told that it would take over a month to set up insurance and tax payments out of my account, putting me delinquent ( called XX/XX/year> ). I tried to escalate this to no avail, being told I'll have to pay any delinquent fees as it " wasn't their fault. '' I also noted that my home insurance was not being paid, though the company has not notified me yet about delinquency. Please note this in the payment history statement from Shellpoint.
Product: Vehicle loan or lease

The problem is with Westlake Portfolio. I am in constant communication with this financial company because I have experienced them not making notes of conversations and when I asked them to have a supervisor listen to the recording, which they say all calls are recorded, it goes unanswered. On about XX/XX/XXXX, I called, told them to set up XXXX pyt for XXXX I called back on XX/XX/XXXX, spoke with a agent. I asked him about the account, he said it was ok & I made another payment about XXXX XXXX. They also said they put 1 pyt to the end of the loan and my payment status was good, current. I went outside to go home from work about XXXX and the vehicle is gone. I called 6 times, hung up on 5. I spoke with a lady, who put me on hold for 30 minutes then said looks like your vehicle was repossessed. She stated usually a pyt would have cancelled the repo. She stated to call the Repo company and set up a appt to get the car back and she can settle the repo fee if I could pay about {$900.00}. I stated to her, I just spoke with a representative that did not say anything about any additional money had to be paid, right to cure, he just processed my pyt that went thru immediately and my vehicle was most likely already picked up when the pyt was made, so I'm told. I then got a very nasty representative on the line, that yelled, and over talked me and told me to pay $ {$650.00}, which I did. I explained again, I made a pyt earlier today and they pyt one pyt behind. She stated that was guaranteed, I said the REPRESENTATIVE PUT ME ON HOLD, CAME BACK AND STATED THE PYT WAS SUCCESSFULLY PUT TO THE END OF THE LOAN AND MY PYT PROCESSED AND ACCOYUNT WASIN GOOD STATNDING. She never could or would give a reason why westlake did not advise me of the repo status. No phone call, no email, not even in my previous call. which I did. I have a XXXX XXXX in my ankle which causes XXXX I'm in my XXXX XXXX and I walked over a mile to my daughter job and took a XXXX home and for 2 days I paid for XXXX. I told them, they could and should have the vehicle returned to where it was picked up from or refund the repo fee. This is the worst Finance Company. I am disgusted. Subprime lenders feel like they can handle people any way and they do over and over again. I read their reviews and no one has anything nice to say about them.. there response to everything, is oh well or i don't know. No right to cure. Their collection practices are not good. i want that repo fee back and my XXXX  fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both XXXX and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ). 

I am requesting that XXXX immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.
Product: Checking or savings account

XXXX Wrote/Sent check XXXX to Capital One Union Plus XXXX addressed Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX Ten business Days XX/XX/XXXX I contacted Capital One daily and no check arrived. Capital One remarkably stated over the phone I was one of five other calls regarding the same issue relating to check payments not arriving timely. 

I then contacted the US Postal reporting the above information regarding addressing mail sent to Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX. 

XXXX Payment Due. 

XXXX Confirmed by Signature time stamped dated by XXXX Bank no payment arrived or cleared before XXXX Confirmation XXXX- Capital One Representative. - XXXX XXXX XXXX I authorized an Electronic payment from XXXX Bank to Capital One to activate the use of Card. 

XXXX Before evening after XXXX Capital One Representative-XXXX stated check was received and dated XX/XX/XXXX. 

XXXX Transaction attempt denied XXXX XXXX. 

XXXX Call into Capital One-Representative XXXX stated XXXX payment of XXXX USD was the Check also confirmed by XXXX on the same Call attempt for resolution for the use of my card XXXX. 

XXXX XXXX bank offered the sequential numbers/data of payments cleared Electronic Payment and then Check payment. Attempted for the 3rd occasion card transaction within XXXX Bank and the card declined. Questioned XXXX which payment is considered the over payment XXXX stated the received US Postal Check Payment. 

XXXX Claim Sequential Data is Misrepresentation.
Product: Debt collection

I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with All Credit Lenders that has provided hundreds of thousands of dollars in restitution for consumers across the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

falsely reporting on an account that is unverifiable the debt listed was i have no knowledge of and or was written off as loss and paid by the original creditor and then resold to a collection company whom i have no contract with nor have i ever had a contract with resulting in a direct violation of rights granted under fcra XXXX XXXX, XXXX XXXX XXXX FED XXXX XXXX XXXX
Product: Credit reporting

I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.