23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my wife and I took out a {$20000.00} loan with XXXX XXXX. Sometime later XXXX took over the loan, then XXXX switched to Ditech. my {$20000.00}, XXXX year loan was up last month. According to Ditech still oweing {$15000.00}. we have paid almost {$52000.00} in XXXX years, at XXXX % interest. In XX/XX/XXXX we had to claim bankruptcy, Ditech does n't even acknowledge it. It 's plain to see the math will never add up! We were also forced to use their insurance, and they also had a escrow account of {$470.00} that was disbursed but to who or what we do n't know. I know I 'm XXXX of many complaints you have received. What am I to do? This is a mobile home fixed loan
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. This marks my multiple attempts to rectify this issue, and it is essential to address this matter promptly and effectively. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account with Equifax and XXXX twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date Equifax and XXXX are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both Equifax and XXXXn ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.
Product: Vehicle loan or lease

Global Lending Services Account XXXX. XXXX, has violated my rights as a consumer in several ways. 
1. Global Lending has denied my request to pay off the account according to the Retail Installment Agreement. 
2. Global Lending refuses to send the title to my vehicle after denying my request to pay off the vehicle. 
3. Global Lending has charged off and reopened the account it several times. Each time the account is reopened, more money is added to the balance. 
4. Global Lending has charged off the account, and has not provided to me the proper IRS documentation. 
5. Global Lending is reporting the tradeline on other individuals credit reports. 
6. The company has made changes to my original contract without my knowledge, approval, nor signature. 
7. The company has denied sending a copy of the original retail contract for over a year. A copy of the contract was provided after submitting a CFPB complaint in XXXX of XXXX. 
8. The company has reported incorrect payment information to the credit bureaus on a consistent basis. As of today, on XXXX, the account indicates that I was never late and the account being closed on XX/XX/XXXX. On XXXX the account is listed as being charged on XX/XX/XXXX. 
9. The last payment I made to the creditor was XX/XX/XXXX. Global Lending is reporting I last made a payment .on XX/XX/XXXX. 
10. The creditor falsely reports that I have made payments in XXXX ; reporting 30, 60, and 90 late statuses on the tradeline to all 3 credit bureaus. On XXXX, the account was closed and reopened reporting to my credit report as follows : 1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} 11. When disputing the inaccurate information with the credit bureaus, Global Lending verifies the inaccuracy as being valid information. 
12. I have reported Global Lending to the Illinois States Attorney Generals Office. They were nonresponsive for months. I was advised to retain counsel for their malicious practices. 
13. I have disputed this account several time with XXXX, XXXX, and XXXX. All bureaus continue to report inaccurate information. I have been advised by all 3 bureaus my dispute was frivolous, and they will not investigate. 
14. All parties have been reported to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX  County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.
Product: Checking or savings account

Basically Paypal with American Banks are ruining PayPals good name all over the world. What's going on is American Banks are using PayPal licensed to use name but different banks. The banks knows fraud is going on and don't offer us any progress on claims with a vicious money return fight. The Big Tech companies join together to rob customer with installed bots that take your money and the company sees no data, and asks customer for the date they can't seem And then you can't take screenshots of what you are talking about forcing you to write everything down then they program the apps to fail so you keep have to call them back
Product: Credit card

Capital one and myself agreed on a payment plan to help my credit card account. Capital One has continuously called me for payment. Even after I had made payment been sent receipts by Capital One. They continue to remove me from my plan and then refuse to speak to me about it.
Product: Debt collection

I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear Transunion, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include TransUnion, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( a ) ....

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

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

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding XXXX failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : 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 XXXXXX/XX/year> Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One for violating my consumer rights. I have had several issues with Capital One, including the following : 1.Charging me the maximum late fees allowed under federal law.

2. Not sending me my card agreement after I requested it which was very inconvenient to do since you have to dig for that request on their site because it's not automatically uploaded in your online account portal.

3. Closing my account without proper notice or explanation.

I believe that these actions by Capital One are in violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). I request that the CFPB investigates these matters and takes appropriate action against Capital One.

In addition, I request that Capital One be required to provide me with a clear and conspicuous disclosure of the amount of any late fee imposed and the method used to calculate the fee. Also, I request to receive a copy of my card agreement that I previously requested and that my account be re-opened, if possible.

I would appreciate a prompt response and any possible compensation for the harm caused by these violations.

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I had autopay set up on my Lowe 's credit card through Synchrony Bank, and it had been paying itself when I used it periodically since opening it in XXXX, but since XXXX, the payments have stopped going through, and I wasn't notified of it until I manually checked in on the account and found that the XXXX 's app that I had been using to pay was not letting me log into my account, so I tried to log in a browser on my laptop instead, and found that I had to set up an account directly with Synchrony to manage my account, and upon doing so, I found it delinquent. I called Synchrony, and they told me that they no longer process payments through the payment center in the XXXX 's app where I had been managing the account and that they don't have any control over the payment center on the XXXX 's app or whether it actually takes payments. The amount due was less than {$20.00}, which I had already submitted a payment for before calling Synchrony. While on the phone with Synchrony, the rep said that due to the confusion and inconvenience of the situation, they would clear the charges and retroactively remove the missed payment status on my account so that my credit would not be harmed. However, my score has since been updated and now reflects that the account is delinquent and 30 days late. Maybe this will be fixed in another 30 days after another statement is posted, but if you have to retroactively correct your own records, it needs to happen immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX XXXX and noticed that there are many inaccuracies and late payments on my account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX I have not been late on payments for the accounts. ( XXXX XXXX ), ( XXXX ) has different dates of late payments. STRIDE, XXXX is shown as " closed '' for the account from XXXX while " XXXX '' from Experian. I contacted XXXX and confirmed with them that the account should be open. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as i was not Late, and remove the STRIDE from showing as " closed '' and current the dates for this as well as it shows different dates for payments being XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES 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 XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an employee of the non-profit organization, the XXXX XXXX for XXXX XXXX ( XXXX ) from XXXX. I was laid off XX/XX/XXXX, but the company retained me as a consultant on an as needed basis. I surrendered my bank cards, credit cards, checkbooks, keys, and all other company property at this time. I notified the banks and credit card companies of my departure and gave the names of the current officers of the Board of Directors for them to speak to. I also tried to get the company to take all the accounts, including the corporate AMEX card, out of my name and into a name of one of the officers, per the bylaws and also since I was not an employee any longer. The Board refused to take the card out of my name. I have this documented in email correspondence. Since then, I have learned that the AMEX account was charged off. 

In XXXX, XXXX hired an attorney, XXXX XXXX, to manage its debts, which included the AMEX company card. We verified with AMEX that I never signed a personal liability form, and the card has always been used for company purchases. I have an email thread where he has reached out to a representative at AMEX multiple times verifying that the card was a company account and that the organization does not hold me personally responsible for the debt on it. 

The Board Treasurer and Accountant approved and reviewed all purchases, which were reported at the Board meetings, so there is documentation that the purchases have always been for the company. 

I just discovered that the XXXX AMEX card has since been charged off and reported on my credit score that I am responsible for the $ XXXX amount that was used for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some reports on my credit score that i do not recognize. 

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

There are erroneous hard inquiries from these companies on my credit report : 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 Xactus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   & I did not apply for these and I called XXXX and XXXX on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX data XX/XX/XXXX, XXXX  on XX/XX/XXXX, and XXXX rental car. These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit accounts XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Opened date XX/XX/XXXX XXXX XXXX XXXX Bank XXXX Date opened : XX/XX/XXXXXXXX XXXX  Date opened : XX/XX/XXXX XXXX XXXX XXXX Inquires XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX