23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Mortgage

We are the seller. Purchasing agreement was signed by the buyer on XXXX. XXXX XXXX ( XXXX, NMLS License # CA-CA-DOC XXXX ) with the GEM mortgage ( XXXX, NMLS ID # XXXX ) started working on this loan on XXXX. As of today on XXXX, the FHA loan is still not approved. The lender was still working on the verification of employment ( VOE ) on XXXX. No timely communications from XXXX to seller 's realtor and broker even till this date ( XXXX ). 

Compliance officer XXXX with the GEM mortgage was contacted on XXXX regarding my concern that XXXX was not processing the loan properly. I spoke to XXXX on XXXX regarding this subject matter. Received an update today XXXX but I disagree with the finding that XXXX said that he did communicate with seller 's realtor. The issue is not about communicating or not. The issue is that there was insufficient and untimeliness in updating the status of the loan. To blame the 108-day escrow non-closure on COVID-19, FHA loan processing time, seller 's realtor 's personal issues, buyer 's issues, ... etc does not satisfy any reasonable buyer/seller 's expectation of a " normal '' real estate transaction.
Product: Credit reporting or other personal consumer reports

I'm writing a second complaint on this one. There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year> which I am quite clear about the accounts that were fraudulent and in issue.
Product: Vehicle loan or lease

I had bought a used vehicle from dbutz in XXXX I don't have a problem with that company who sold me the vehicle.. 
My main problem is Consumer Portfolio Services I've been paying on my loan XXXX them XXXX the past XXXX The XXXX 2 months were fine, but then the XXXX month that is when things went downhill they stare they never got a payment from me in XXXX, found out it was bc they never took the payment out of my acct @ all,. Going thru there mobile website I've done that a few XXXX XXXX then I get an email stating it was cleared then after that I get another email supposedly stating that I never tried making a payment,. I've made payments on my vehicle since buying it..

This company has had soo many complaints n they don't accurately report the right on creditors.. I've always done my payments on vehicles that I've had in the past.. The last delearship I had bought my vehicle from b4 trading it in my payments were always on XXXX  since I was called it in XXXX them XXXX never had any probs. 
Till I had bought the vehicle I'm driving now. They claim I didn't pay XXXX XXXX months XXXX that I'm behind ... .. Each month I've always paid my car paymen on their website they " Don't always take the money out XXXX my car payments '' I'm getting more than frustrated n now I get another letter supposedly stating that I'm behind in this payment eventho it shows on my transactions that I made the payment,. I just recently got another letter from them this month that they get my payment " again '' I have the transactions that it had gone thru I even have it in my transactions,..

I've been trying 2 make payments each month n it shows that they haven't tried taking my payments each month like they're supposed to... I want them called out on this n need a different car payment place 2 take over my payments,. I'm about 2 report them 2 police if they try n take my vehicle cause I've been trying 2 make payments if they don't take the payment it's hard 2 keep up when they are lying about my payments 2 them, I'm Not the only 1 that has been having probs with this company..

The ppl @ CS for Consumer portfolio services barely speak XXXX XXXX keep telling me that everything is Ok. 
I was more than XXXX have them out of biz XXXX license taken away, they r scamming XXXX left n right n I'm sick of it ....
Product: Money transfer, virtual currency, or money service

PNC has repeatedly prevented us from using apps like XXXX and XXXX and other money exchanging apps. We receive errors stating PNC will not allow linking to those apps even though we had previously used PNC with those apps. VERY frustrating!!!!
Product: Credit card or prepaid card

I enrolled in a promotional APR for my card, which says interests for new purchase from XX/XX/XXXXwould be calculated at a level 1.99 %. 

Previously before XX/XX/XXXX, the balance is around 3000 dollars. At XX/XX/XXXX, I made a purchase at XXXX for XXXX dollars. But later due to a change of plan, I cancelled that ticket and they refund me XXXX dollars. For that billing circle, from XX/XX/XXXX to XX/XX/XXXX, the remaining balance on my credit card is XXXX, which means it is paid in full. So the mechanism here is that for a total balance of XXXX, the credit received from XXXX, which is XXXX dollars, is used to pay the balance before XX/XX/XXXXand a part of the purchase from XXXX. 

Then from XX/XX/XXXX to XX/XX/XXXX, I made no new purchase and paid a minimum payment for the card. They charge me about 50 dollars for the balance before XX/XX/XXXX. 

On my XX/XX/XXXXstatement, the balance subject to APR charges is XXXX. 

It is ridiculous. How come? Last month the balance is paid in full. For a month without any new purchase, they told me the system says you need to pay interest for balance that is paid full in last month.
Product: Debt collection

I received and email from XXXX XXXX XXXX XXXX, payday loan company here in Utah, back at the end of XX/XX/2019 stating that I owed them money for a debt that already has a judgement and currently am already being garnished for. I called the number in the email and spoke with someone in their collections department. The rep told me they never received their payment. I told them I have proof of the amounts garnished since they won their judgement in court. The rep then stated that I had to pay them directly over the phone. I told them I am already being garnished so I would not pay more that what was determined by the court documents. She then tried to get me to pay them a " lower amount '' to settle the debt. I told her I prefer to deal with the garnishment process and to stop contacting me about it. 

I then received another email onXX/XX/XXXX from the same payday loan company stating, " Our records indicate that you have a pending balance on a loan, there have been several attempts to reach you and we haven't been able to get a hold of you. Please contact us to discuss your available options '' Again that is not correct as I called them and replied to the email they sent back in XXXX. I told them that since their company won a judgment from me in court and my Paychecks are being garnished. I also agian asked them to stop contacting me about this past due account since they get money from me every two weeks. 

I also received the same email with the same message on XX/XX/XXXX. To which I replied again, they won the judgment, I am being garnished and to stop contacting me. 

OnXX/XX/XXXXI receive yet another email from XXXX XXXX XXXX XXXX   stating that I owed the full amount ASAP or they would pursue " further legal action. I replied that they stop contacting me.
Product: Checking or savings account

I have been a customer of NFCU Navy Federal Credit Union since XXXX  and been receiving ATM fees and Over Draft fees since then.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXXXXXX XXXX XXXX # XXXX Closed Accounts : XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX Subject : Dispute Regarding Payables and Receivables Dear Driveway Finance, Subject : Dispute and Request for Full Accounting To Whom It May Concern, I am writing to dispute the recent billing statement I received from Driveway Finance. There seems to be discrepancies in the charges and I am requesting a full and detailed breakdown of all the transactions on my account. 

Upon reviewing my recent credit report there are several charges that I do not recognize or understand. I have been a loyal customer of Driveway Finance for several years and have always made timely payments. However, the recent charges on my account do not seem accurate based on my records. 

To help resolve this matter promptly and accurately, I kindly request that Driveway Finance provide me with a comprehensive breakdown of all charges on my account. This breakdown should include details such as date of transaction, description of the charge, amount billed, and any relevant supporting documentation. 

I believe that transparency and clear communication are essential in resolving this dispute efficiently. I am confident that a thorough review of the account transactions will clarify any misunderstandings and discrepancies. I trust that Driveway Finance will assist me in resolving this matter expediently and amicably. 

Furthermore, I would like to request that any collection activities or reporting to credit bureaus be temporarily suspended until this matter is fully investigated and resolved. I value my credit standing and it is important to me that my credit report accurately reflects my financial history. 

I appreciate your attention to this matter and look forward to receiving the detailed accounting of my account at your earliest convenience. Please send the information to me at the following address : Thank you for your prompt attention to this matter. I trust that Driveway Finance will address my concerns in a timely and professional manner. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union has charged me hundreds of thousands of dollars in fees violating their OOPS program. They also put an astounding 21 % APR on a vehicle loan and falsely claimed reported transactions as legitimate when proof was provided fraudulent activity took place. Refusal to appeal decisions. Refusal to refund fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : 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 XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and Equifax XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. Equifax did not respond at all.
Product: Mortgage

On XX/XX/XXXX I began the refinance process with XXXX XXXX with NewRez. All responses with XXXX were super quick. Around XXXX the house appraisal was available for NewRez and myself. On XX/XX/XXXX, I received an e-mail from XXXX XXXX advised that my loan had been approved and we could continue. On XXXX, I received an e-mail from XXXX XXXX XXXX XXXX advising that I need to provide an Engineering Certification. This was provided to them on XX/XX/XXXX along with some additional things required. I attempted to call & e-mail XXXX between the XXXX and XXXX multiple times with no reply. On XX/XX/XXXX I e-mailed XXXX to follow up and see what I needed to do. At that time, she advised that my closing date would be the XXXX and sent paperwork for me to sign. I never received any communication that we were not going to close on the date given to me. I received no response from XXXX and e-mailed XXXX again on the XXXX. She advised that she was going to e-mail XXXX and his manager.  After receiving no response again, I reached back out to XXXX again on the XXXX and did not receive a response from her either. I had several questions regarding my loan which appeared to be the hold up. 
On XX/XX/XXXX, I filed a complaint with NewRez late in the afternoon, I do not remember the agent 's name who I spoke with but she was extremely helpful and understanding. To my surprise, I received a phone call from XXXX and XXXX on XX/XX/XXXX. I spoke with XXXX on the 2nd and she was helpful on straightening out the applicable property county assessor issue we had. She advised that XXXX was out until the following Monday but that he would finishing closing the loan once he was back. 
I received an e-mail from another processor in XXXX requesting bank statements. I uploaded them and have not heard anything. On XX/XX/XXXX I e-mailed XXXX requesting a cancel on the refinance. The same day he advised that he sent the request up to processing management. I followed up on XX/XX/XXXX and as of XX/XX/XXXX have received no response.
Product: Credit card

This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. 

As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. 

Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. 

As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. 

To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.
Product: Credit reporting

I have been trying to dispute some issues on my credit report with EXPERIAN. I tried to dispute online. When i do try to dispute online a message comes up saying that the attempt to dispute is unsuccessful and that they cant give me a reason why? NOT FAIR. I tried calling them and they also gave me a hard time saying that i disputed the account already and that they cant dispute it again. NOT FAIR. One item in particular i have no knowledge about is a XXXX account that i never had. I never used there service as i have always been a XXXX customer all my life. I have other items that i would like for them to verify the accuracy of which is my right are. 

XXXX - account # XXXX XXXX - account # - XXXX BANKRUPTCY Chapter XXXX - Reference # XXXX BANKRUPTCY chapter XXXX - Reference # XXXX I want all these items Reinvestigated and i also want to know their sources of obtaining this frivolous information and i want these ITEMS REMOVED from my report with EXPERIAN The other XXXX CREDIT BUREAU 's have worked with me with dignity and respect while experian treats consumers with no RESPECT at all ... 

PLEASE HELP OUT A XXXX CONSUMER ... 

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

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX  XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly