23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account PORTFOLIO RECOVERY ASSOCIATES which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that PORTFOLIO RECOVERY ASSOCIATES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the year of XXXX 2020 I lost hours and my apartment would t work with me I owe XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  incorrectly reported a XXXX XXXX 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Experian needs investigate the erroneous statement. Experian is not to verify if the account belongs to me! Not verify my name, address etc!!! Experian needs to follow the federal law to report accurate information. My report says XXXX XXXX 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal!!
Product: Payday loan, title loan, or personal loan

I found a recommendation for a personal loan on XXXX. I then used uXXXX website to sign up for loan. I took out a loan for {$3500.00} on XX/XX/2021. I received {$3200.00} direct deposited into my XXXX  XXXX XXXX checking account on XX/XX/XXXX. I found a family member willing to loan me the money. So I called the company to cancel the loan ( and return the money ) within a few hours of receiving deposit on XX/XX/XXXX. They told me they would attempt to cancel loan and contact me back. Later that day I received an email that they could not cancel loan, But that I could pay it off without a penalty. My mother informed me of a regulation that allows for a cooling of period. This would allow me to cancel the loan within a few days- 2 weeks of signing the loan. I researched and found it covers personal loans.I called again to request a cancellation this time citing my rights to cooling off period on XX/XX/XXXX, they told me I would be contacted back. XX/XX/XXXX, received email from upstart saying they would refund part of origination fees if paid off and in the next email on XX/XX/XXXX they said You may however, payoff your loan without any penalties in doing so. If looking to payoff your loan early, you would only pay the interest that accrued up to that point included in the outstanding principal amount. I promptly initiated payment on XXXX. On XX/XX/XXXX {$3500.00} was withdrawn from my account. I wanted my origination fees back so I have contacted the company twice since payment date via email. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are required to ensure that the information you report is accurate and properly verified. Specifically, you are prohibited from reporting incorrect information to credit bureaus. Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information provided to credit reporting agencies must be accurate. The FCRA also requires that you investigate any disputes and provide verification when requested.

I have reason to believe that the information you are reporting is either inaccurate or incomplete due to the incorrect data you hold on file. As such, I formally dispute the validity of this debt. Under the FDCPA, 15 U.S.C. 1692g, you are required to cease all collection activities, including reporting this debt, unless you can verify its accuracy. If you can not provide verification of this debt, it must be removed from my credit report.

I request that you : 1. Provide proof that the debt is mine, including the original creditors name, the amount of the debt, and any supporting documentation ( such as a contract or account history ).

2. Provide confirmation that you have corrected any inaccuracies on my credit file and removed this debt if you can not properly verify it. 
XXXX. Cease reporting this debt to the credit bureaus until it has been properly validated and verified. 

Please send the requested verification and a written response confirming the removal of this debt from my credit report within 30 days, in accordance with the laws mentioned above. 

If you fail to provide adequate verification, I will request that the credit bureaus remove this debt from my credit report, as required by law. I will also consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence with FCRA, XXXX and Transunion have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The Huntington Bank is reporting a closed charge off account, I have sent a letter to Huntington Bank to correct or remove from my credit report. I have still heard no information from Huntington Bank. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.
Product: Credit reporting or other personal consumer reports

There are multiple old address on my credit profile that are not mines. I communicated and wrote these credit bureaus such as experience Equifax and XXXX. I have gotten no response and these credit bureau have not complied with my request. These old in accurate information are hurting me and my family situation And lifestyle due to identify theft Im currently going thru
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXX XXXX, XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against Experian and XXXX for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both Experian and XXXX have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of Experian and XXXX to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that Experian and XXXX, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX    sold my account to  Midland Funding. Midland funding is still reporting my  information as a collection account this account was paid and it should show  XXXX  balance and removed from the  CURRENT COLLECTION Spot. It should be closed n ot current!!! This account was updated on my report 2 days ago, and dropped my score  XXXX  points because of the negative remarks. I have tried to dispute this matter a thousand times.  XXXX   XXXX  is still reporting on my account. This account is paid!!!! again dropping my score another  XXXX  points.
Product: Consumer Loan

I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.
Product: Mortgage

In XX/XX/2022, I was approved for a buyout refinance, but I could not move forward because my ex-husband refused to sign the settlement agreement. WF called every day trying to obtain a date for closing. When I could not get the agreement, the loan officer indicated that when I received the agreement to call him to get the buyout refinance done.

I went to court to force the settlement agreement.

The loan officer I worked with is no longer at WF, so I spoke to XXXX XXXX. I explained the history, and he even pulled up the old loan documents. I provided my updated income and history, and took a hard credit hit. 
Today, I was told that I had too many late mortgage payments for my XXXX mortgage in 12 months, and the loan has already been denied pursuant to WF guidelines. 
I do not have late payments on my XXXX mortgage on my credit report. They did not try to get proof. They simply stopped the process.
Product: Checking or savings account

XXXX  XXXX XXXX funded a clearly altered check that I wrote from my Chase checking account for {$20000.00} and has refused to reimbursed me. 

The check was made out to a roofing company, but on the digital image of the check it is obvious that the payee and note portions of the check have correction tape over the information that I had written. The payee was altered to indicate an individual who is not associated with the roofing company. The digital image of the back of the check shows a signature, but no funding institution identifiers. I reached out to Chase, submitted all requested documents and reached out to follow-up multiple times.

The Chase fraud dept reportedly submitted this claim to XXXX  XXXX XXXX and after a 60-90 day waiting period, I reached out to Chase again and was advised  that XXXX  XXXX XXXX " was unable to recover the funds ''. I was also advised that Chase closed my claim and would take no further action since they had already reached out to XXXX  XXXX XXXX, and XXXX XXXX XXXX was " unable to recover the funds ''. I was advised that Chase would not pursue this matter further, nor would they reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that XXXX XXXX provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XXXX XXXX XXXX XXXX responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what XXXX XXXX is trying to state in these letters, but they are not providing the documents that are being asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I saw an ad from Flexshopper about a XXXX on XXXX. I believe the ad said the same thing I saw on their site ; 90 days same as cash price, with a XXXX on it. Exactly the same device I was looking for but didnt bought because it was still over XXXX dollars most places but this company had it and gave me 90 days to pay XXXX so I thought it was a no brainer. AFTER signing the contract I got an email congratulating the purchase but it had on parentheses the VERY IMPORTANT FACT that as a resident of XXXX, XXXX  or XXXX  I did not qualify for the 90 days SAC option! What!!!!! You telling me this now?!!! -remember saying to my self-. Went back to the site and CONVENIENTLY for them they DONT have NO OPTION TO CANCEL THE ORDER! My new early purchase option was XXXX dollars!!!?? 
I then replied the same email with the notice and they responded a day later that I had to refuse delivery or lease would start. I asked them to be diligent on the matter because I work 6 days a week and most likely I wasnt gon na be home. Wrong of me telling them that. Because they dint even responded until after delivery was made. Now, they will NOT HONOR THE 90 days same as cash and only refund me XXXX WEEK ( XXXX ) of the lease but for that I have leave my work and ship the box to themi must fix their own mistake they say they even charging late fees for that week they put on hold the leasing. I told them it must be a scheduled pick up and they wont accept. Just XXXX weeks ago they updated their site that XXXX  XXXX and XXXX  residents dont qualify for the 90 days SAC option on the site. I have evidence and will upload it to prove that on XX/XX/XXXX their site had the promotion of the 90 days SAC option and on the bottom of their site wasnt the exclusion notice of XXXX  residents. Also, the signed agreement I have w them has no mention that as a XXXX  resident I am excluded from their promotion. This is bait and switch. Guarantee you am not the only XXXX. Please! Do something!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA,XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital one, XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Early this year, XXXX XXXX XXXX student loans merged into the same federal entity, XXXX. Due to this merger, XXXX has been reporting duplicated information from both government agencies as result my student loans debt doubled from $ XXXX to {$100000.00}. reducing my purchasing power hence ability to buy a house. Equifax and XXXX are reporting accurate information, see attached. 

Since XXXX of this year, I have been trying to get this fix with XXXX but they're not taking my request seriously. Hence, I may please need your assistance with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXX XXXXXXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Consumer Loan

I am currently in Chapter XXXX bankruptcy with the XXXX North Carolina Bankruptcy Court. My car loan for the XXXX XXXX XXXX is included in the Chapter XXXX. However, the value is the car is in its current condition and millage ( the care XXXX miles ) is valued at {$3400.00} according to XXXX. I like to settle-in-full with Santander Consumer credit for the current value of the car and have the title/lien released. It is not worth {$10000.00} nor it is work the {$7500.00} that is listed on the Chapter XXXX filing. The millage and the accident the car was involved in ( back in XXXX ) has greatly reduced the value of the car.
Product: Credit card

Capitalone offered Savor card with 15 months 0 % balance interest and {$200.00} for spending {$500.00} during 3 months. I fulfilled requirements but the bank refuses to pay bonus and charged interest! I got 0 % intro APR for the first month on purchases but then it changed with the second bill. I would not open a card with Capital one if I knew it. I dont open cards often and I am very selective. Its a false advertising!
Product: Credit reporting or other personal consumer reports

Ive tried to get unknown debt off my report but no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX CREDENCE RESOURCES MANAGEMENT XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

It is an ongoing issue for the past several months. 
The XXXX at Webster Bank has continuously lied. Effectively they are a bunch of thugs. 
Please see the attached.
Product: Debt collection

On XX/XX/22 at approx. XXXX, I received a phone call from Gatestone & Co. Internation Inc.. A representative by the name of XXXX XXXX introduced herself as a representative from XXXX XXXX XXXX  and that the nature of the call was to collect a debt. I informed XXXX XXXX that my debt from XXXX XXXX  was " charged off '' so why would they be attempting to collect? At this point, XXXX XXXX revealed that she was a representative from Gatestone & Co. International Inc. and that she was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX I expressed my concern about her false representation and my unwillingness to continue the call with her and I ended the call. This false/fraudulent representation makes me very concerned about doing business with Gatestone. I don't trust them or the validity of what they communicate rather verbally, electronically, or in print. I would like this matter resolved by having my debt completely eradicated due to fraudulence.
Product: Debt collection

For the debt to be considered paid If that is not possible for the collections agency to mail me something with the correct amount owed and the correct date of the debt The date of the debt keeps changing The amount of the debt never goes down For them to stop taking my taxes then the amount continues to go up Or at least take a set amount why are they taking my whole tax return and not notifying me of this. 
I would Like them to stop and to mail me amounts and solutions to not take wages and taxes
Product: Credit card

Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.