23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I accepted a Covid forbearance offer for my mortgages with KeyBank. Two of them were modified into a lower payment and the arrearages ( payments during forbearance period ) were capitalized ( added to the loan balance ). However, on the two HELOCs, KeyBank stated that I will need to pay all of the arrearages that occurred during the Covid forbearance. I estimate this to be at least {$7000.00}. They stated that I do not make enough money to qualify to have the arrearages added to the back of my loan and will need to pay the entirety now or face foreclosure.
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, Equifax & XXXX still are in violation. Please get this deleted immediately. 

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

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Capital one is going against FDCPA values by accusing me of owing {$6100.00} in credit card debt. This has went onto my Credit and is ruining my reputation as a consumer. Capital one has performed unauthorized use which according to 15 USC 1602.
Product: Debt collection

I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.
Product: Student loan

XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course
Product: Vehicle loan or lease

I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto is reporting lates on XX/XX/XXXX, XX/XX/XXXX. Due to XXXX, I have been going through some hardships, the majority financial. I have always been a punctual person and diligent about paying my due debt. However, in XXXX, I was really struggling. I tried to set up skip a payment with Chase and spoke to someone about it to see if we could skip a couple of payment. I was told that was not going to be an issue, however, recently checking my credit I noticed maybe the rep never set that up. This has seriously affected my credit, and this was not my error. I ask that Chase auto please remove the late notations from my credit file as a good will and for the mistake made.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is regarding HSA bank. 

They have repeatedly switched brokerage provides first from XXXX XXXX XXXX and now to and another service. The new service only has high cost mutual funds. 

In addition after their last transition from XXXX XXXX XXXXXXXX. My automatic investment instructions were not transferred resulting in a large cash balance that missed significant returns
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX  ( # XXXX ) on XX/XX/20 and the buyer paid for it on the same day. Purchase amount of {$XXXX} + {$XXXX} shipping + {$XXXX} tax = {$XXXX} total. 
My Paypal Account showed {$XXXX}. This is the net amount after deducting {$XXXX} tax ( that XXXX said they would pay directly ) and {$XXXX} Paypal fee ( 3 % ). 

Later the same day, a refund request was submitted. When initiating the refund request, I was told by XXXX and Paypal that I did not have enough funds to process the request. I was confused because I did not pull any money out of my account. I've contacted customer service reps for both companies. XXXX 's reps told me to contact Paypal. Paypal redirected me to XXXX. Neither provided me with a reason as to why the refund was being denied. It was very frustrating trying to sort this out. I had to do quite a bit of digging and research, and finally found out via an XXXX  community forum, that a few months ago, PayPal decided to change its policy regarding fees charged. 

When a refund transaction happens, they WILL NOT refund their fees of 3 %. This is the reason why my refund request didn't go through, because now I had to come up with the {$XXXX} Paypal fee to fully refund the buyer. This appears to be a very unethical practice by XXXX  and Paypal ( as they are under the same ownership ). 

I hope they change their policy regarding their fees. It would make it more fair for the buyers and the sellers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that fraudulent information be blocked from my credit report in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I am a victim of identity theft that occurred as a result of the Equifax data breach. As a result, fraudulent accounts or inaccurate information have been added to my credit file. 

They have not attempted to remove these inaccuracies on my credit report. At this time Equifax, XXXX and or XXXX are violating my consumer rights. I have filed reports with FTC and CFPB. This is making is difficult to obtain a auto loan and personal loan. 

Please Remove accounts that are not mine. 
XXXX. XXXX XXXX XXXX XXXX {$6900.00} XXXX. XXXX XXXX XXXX {$12000.00} XXXX. XXXX XXXX XXXX {$59000.00} XXXX. XXXX XXXX XXXX {$23000.00} XXXX. XXXX XXXX XXXX {$11000.00} XXXX. XXXX XXXX XXXX  {$250.00} XXXX. XXXX XXXX XXXX {$16000.00} XXXX. XXXX XXXX  {$11000.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$16000.00} XXXX. XXXX XXXX XXXX  XXXX {$690.00} XXXX. XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX  {$0.00} XXXX. XXXX  XXXX  {$5600.00} XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX {$920.00} At this time Equifax, XXXX and XXXX is violating my rights and federal laws. This is affecting my ability to purchase a new vehicle and obtain a personal loan. This information needs to be immediately removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

i found a 30 day late on my credit report on a line of credit account and the 30 days late apparently happened in XXXX of 2009 and contacted the bank for an explanation, apparently the bank does n't have or could not locate the events at the time, they know that the account probably was acquired from countrywide financial and maybe it happened during the transfer of accounts to their bank ... i was told that the XXXX payment was never collected and thats a proof that maybe the payment went to countrywide and they collected the money from them. i ask to be removed from 30 day late and they advice me to file a complaint to get this resolved. i know its only 30 days but if it was not my mistake removing this late payment will be helpful in my credit report.
Product: Credit reporting

I lost my wallet last year. Since that time I have had XXXX inquiries appear on my Experian credit report. I first called Experian in XXXX of 2016 when discovering the issue and they told me it was nothing that they could do and that I would have to contact each company that put an inquiry on my Credit Report. I did that and each company directed me back to Experian. So on XXXX XXXX, 2016, I called Experian to report it as fraud and the representative at Experian stated that they would put a fraud alert on my account and handle the inquiries. I pulled my report today to find out that they only did an investigation of the inquires and did not remove them. The inquiries are fraud and should immediately be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative account name : Unconstitutional For-Profit Company XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CRA ) and XXXX ( CRA ) is Improperly reporting late payments without my written permission on the fraudulent account listed above resulting in improper use of my consumer report and violation of my privacy rights.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states that the consumer have a right to privacy. 15 U.S.C. 1681 Section 604a Section 2 it also states that a consumer reporting agency can not furnish an account without the consumers written instructions. Under 15 U.S.C. 1666b ( a ) a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am filing to dispute all inaccuracies on my credit report with Transunion.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I entered into a Debt Relief program and my Net Credit account was enrolled in this program. The Net Credit account was the first account to be settled. The balance at the time of settlement was {$3200.00} and it was settled for {$1600.00} to be paid off in XXXX payments. The first payment was received by Net Credit on XX/XX/XXXX with the final payment being on XX/XX/XXXX. Since that first payment Net Credit did not update the account information with the credit bureaus and has been falsely reporting late payments every month for almost a year on my credit report. I have disputed this account but nothing was done until recently they updated some of the information, however, they are still reporting late payments which is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX 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

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received an itemized list that listed no evidence of belonging to me. I later sent a second letter, signed and received by them on XX/XX/2020, advising them to validate or delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. I received a letter stating they will no longer look into my validation request. This is a clear character violation and lack of validation. I have given well over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES.

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

The company Portfolio Recovery has continued to call our number for years even though we have advised them numerous times that the person ( s ) they seek have never lived at this location. They have said that they will remove our number, but they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX XXXX Again, this is NOT A DISPUTE.