23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX with XXXX # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records still require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX, XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting

Using Annual Credit Report.com, I requested a free annual credit report from Experian. Their site reported that I was n't eligible for the free report ( I was unable to verify this ). When I attempted to purchase the credit report, the site offered the credit report for {$1.00}, but it automatically placed you in a seven-week trial of one of their products. The site also states that if you do n't cancel ( i.e. forget ), you will be charged {$21.00}, monthly. There was no option to purchase my report without being forced to participate in the product trial. Consumers should not be forced into a product trial in order to receive their credit report. This may be verified by going to their website and attempt to purchase a credit report. This appears to coerce the consumer into purchasing a product, and potentially be responsible for additional monthly cost. I believe it should be the consumer 's right to 1. verify the Agency 's reporting that we are not eligible for a free credit report, and 2. purchase a report without being required to trial a product. Please investigate and advise. For security reasons, I am interested in receiving this information online, vs. being sent through the mail. Thank you.
Product: Credit card

The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card.
Product: Debt collection

A response came back from MNET through CFPB. I have reviewed the response made by the business in reference to complaint, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. 
*I didn't ask for validation in my complaint. 
*I asked that the account be deleted in light of the fact that the company failed to validate the account and kept persevering with collection activity despite it. Hence, once again in light of this company 's violation of the FDCPA Sec 809, which gives me the right to pursue this matter in court, I am demanding that the account be deleted or I will pursue this company for the violation
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. 

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 XXXXXXXX 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 got into an accident that totaled my car. I have never been late with any of Capital One 's Auto Finance Payments. I paid approximately {$600.00} every month as a car note and was never late. This was my second car note with them and on the first ( where I paid approximately {$500.00} ) I was never late. The account balance after car insurance paid their portion was {$4600.00} and I requested a settlement amount, in which Capital One Auto Finance accepted. I then had to pay {$1800.00} in installments of {$50.00}, which Capital One agreed to automatically draft from my account until XX/XX/XXXX. In XXXX of XXXX, my credit score went down approximately 113 points because my settlement agreement said that I had a charge off, over 3 months late in payment ( I am at a 100 % rate of never being late with any payments ), and in a derogatory status. How can this be if they automatically deduct {$50.00} every month ( the payment arrangement )? I called Capital One Auto Finance Credit Department and they told me it was nothing that they could do about it because although I'm making payments, I am still considered late. I was not told this information in the beginning of the agreement, nor was it written in the contract given to me. If that was the case, I would have paid it off in full a long time ago or from the beginning. I am a homeowner and if I was able to pay down on a loan, rather than dishing out $ XXXX to save money, then I would. I immediately paid off the loan the same day, but my credit has not been the same since. I went from like a XXXX down to a XXXX credit score. This has taken me over 20 years to get to that score and this is unfair. There is nowhere in this written agreement nor the two times that I spoke to representatives on the phone that I had to pay all by XXXX or XXXX of XXXX. I wouldn't let my good credit score down the drain for 7 years over {$1800.00}. 

Please note- The first 2 pages of the attachment is the ONLY written correspondence I received from Capital One Auto Finance XXXX There is nowhere in this document that states anything considered " late or reported to Credit companies as a a 'charge-off or negative ' after a certain period ''. I was deceived. The last page is me settling the account on the same day I seen my credit score drop. I need a serious resolution to this problem. I was deceived, bamboozled, and hoodwinked.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted because I did not authorize these companies to run my credit. 

I have two  inquiries from Capital One on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

Im writing in regards to synchrony bank with XXXX master card The company was very hard to work with 90 percent of them dont speak very good English and half the time I was trying to get my bill waived because I had some issues with my balance as Im trying to settle with my credit card company they just wouldnt work with me. Im severely disappointed and I have a major XXXX XXXX called XXXX and they just didnt care about my feelings my credit score is low because I was struggling to pay the bill as I didnt have a job at the time I was waiting for my XXXX income to show up I thought it was rude for them to disrespect me very much and not want to listen to what I had to say and ignore me I hope this doesnt happen to anyone else cause I had a horrible experience
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a victim of determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, one that has been marked by significant hardship, including the global XXXX pandemic and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( XXXX, TransUnion, and XXXX ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately. 

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.
Product: Credit reporting or other personal consumer reports

I have seen that the Experian have removed XXXX negative account. However, I still see that most of the items that I requested to remove were still in my credit file. I need this problem solved as these items were harmful for my credit records. Therefore, I am once more requesting the XXXX credit bureaus to please REMOVE these items from my credit reports within 15 days : EXPERIAN : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from August 2019-January 2019? It is not possible for this account to late after or to be charged off before repossession. Which shows December 2019-October 2019. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.
Product: Debt collection

This company Hunter & Warfield INC. out of Florida contacted me in XXXX via phone and mail. When I received the letter in reference to a debt from another company XXXX XXXX I advised them by certified letter to not contact me and I only deal with the original creditor and I owed their company nothing. Also in that letter I asked for proof of the debt and did they have the right to conduct business in the stat of Georgia. They then sent me an additional letter outside of the 30 days that just had a bunch of numbers on it with just my name on it. They were then sent another certified letter stating that the information that they sent to me was not proof of a debt that I actually owed their company, because I never lived in Florida at any time in my life. After sending them the second letter I never heard from them only to receive a letter saying that I owed their company again, so I again sent them another certified letter demanding them to stop all collection efforts because I signed or have never had any deling with their company and to stop all collection efforts. Upon sending Hunter & Warfield Inc. the last letter I received an alert on my credit monitoring that they had listed this debt on my credit reports XXXX, XXXX, and XXXX XXXX. This illegal act has taken my score down almost 50 points they never validated this debt that I owed them or sent me any viable proof proving that I have business with their company.
Product: Checking or savings account

My account have more than 5 days freeze, I tried to contact them multiple they are no able to help me, they have a long wait time for more than 3 hours. I NEED TO PAY RENT, BILLS, I live by my own. They have my money. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE NEED XXXX XXXX ARRANGE A CONFRENCE CALL BETWEEN, EXPERIAN, XXXX XXXX XXXX AND MYSELF AND XXXX XXXX, POA ADVOCATE.TO CORRECT THE WRONGFUL AND INACCURATE AGREVATED CREDIT REPORTING, AS THEY ARE AWARE, AAL OTHERS BUREAUS DELETED THIS ACCOUNT ALREADY.PLEASE CALL ( XXXX ) XXXX. XXXX XXXX, AS OF TODATE IS REPORTING A CHARGE OFF {$17.00}, XXXX, WHEN IN FACT HAS A BALANCED OWED OF ONLY XXXX, XXXX, SEE ATTACHED.
Product: Credit card or prepaid card

I have tried to resolve this issue via Synchrony dispute 3 times. The dispute was mishandled by Synchrony 2 times. During the 3rd dispute, I was provided a partial credit. I filed a 4th dispute tonight, as my dispute has not been resolved and unfortunately, Synchrony has been unwilling to appropriately handle this financial matter. 

KEY FACT : I do not have any of the bedroom furniture purchased from Ashley Homestore XXXX. The damaged furniture was returned and the replacement furniture was never delivered. Therefore all of the money paid for the bedroom furniture must be refunded/credited back to my Synchrony account. A partial refund is unacceptable. 

DISPUTE DETAILS : On XXXX, we purchased bedroom furniture from Ashley XXXX XXXX, that was sold to us under fraudulent pretenses ( the guise that it would be assembled ). We were promised by the salesperson that the furniture would be assembled and were clear that unassembled furniture was not an option. It was delivered and was not assembled, as promised. After several calls to both Corporate Ashley and the XXXX store, an assembly person was sent XXXX. The furniture was damaged when he opened box and he damaged the remaining furniture in his failed attempt to assemble the remaining pieces. XXXX We purchased replacement furniture and paid {$2800.00} but Ashley never delivered this furniture, despite a scheduled delivery date of XXXX. ASHLEY PICKED UP THE DAMAGED FURNITURE on XXXX. We have received a partial refund and credit but Ashley STILL OWES us the remainder of the monies paid for FURNITURE WE NEVER RECEIVED. 

DETAILS OF REMAINING MONEY OWED : XXXX : {$2800.00} paid for replacement furniture that was never delivered XXXX : {$760.00} refunded back to my XXXX card XXXX : {$1000.00} credited to my Synchrony account ASHLEY STILL OWES US : {$1100.00}