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

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Debt collection

I have been receiving bills from both the XXXX XXXX XXXX XXXX and Transworld Systems Inc. regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX No. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/XXXX. REASONS : Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; The Congress has stated that you, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; The Congress has also stated that you are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.
Product: Vehicle loan or lease

I contacted Westlake Portfolio on XX/XX/XXXX, in regards to my vehicle being repossessed for a second time within a 13 day timeframe. My call was sent to a supervisor ( XXXX ), who then reviewed the account for any discrepancies. XXXX discovered that the Rewrite agreement was initiated, but the paperwork was never sent to me to sign. She also stated that the repossession order was never taken off of my account from the initial release of the vehicle on XX/XX/XXXX. XXXX then proceeded to re-initate the paperwork for the Rewrite contract ( payment plan ), to start an investigation and resend the documents for me to sign, which would allow me to get my vehicle back, given the circumstances. On XX/XX/XXXX, at XXXX the documents were sent to me via docusign email. I signed the forms and sent them back. I also contacted customer service to attempt to get the process started in retrieving my vehicle. I spoke with 2 customer service reps, and 1 supervisor who stated that I was bascially forced to make another payment before they will release the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Payday loan, title loan, or personal loan

Purchased a cell phone through XXXX XXXX who uses TD bank as financer. 

TD bank has an online payment system that does not allow customers to verify there banking account and routing number before submitting a payment. If the checking account number and routing number are incorrect TD bank charges a non waviable XXXX dollar check fee. 

To rectify the issue so that more fees do not incur I contacted TD customer service ( XXXX ) to verify that my banking information was correct. 

TD supervisors blamed me without proof that it must be the customer entering the wrong information and and with absolution could not be a computer system era on there end. They also informed me the only way to verify correct account info is to make a payment and risk being charged another XXXX dollar fee if the information is incorrect agian. 

As it stands I must make a payment to verify correct acount information and risk extra fees. 

This practice is intentional and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Debt collection

They called my ex husband telling then they are looking for me to serve a summons to appear in court on a debt for XXXX. He gave me a number to call XXXX..I called and a man answered legal department XXXX XXXX. Have him the file number XXXX ... .he told me I had a debt with XXXX XXXX XXXX and they there were going to summons me to court unless I want to settle out of court for the amount XXXX with a down payment of XXXX ... not knowing what to do I agreed to the settlement..I have done some research along with checking my credit report and there is n't anything on the XXXX nor XXXX. I called them this morning to have them send me a copy of the debt info that they have and the same guy XXXX said I would have to go to court in order to get a copy. They will be attempting to take money from my account on XXXX XXXX for a portion of the agreed down payment towrds the settlement. I will be calling my account to make sure no funds will be removed. I am beginning to believe this is a scam. The go by the name western portfolio assets/XXXX..I have many complaints online in regards to this so called company.
Product: Debt collection

XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized and unverified inquires on my XXXX  credit file. They are as follows Capital one bank XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from diversify accounts which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXl in full
Product: Credit card

For background details - I have a credit limit on the Capital One XXXX XXXX of {$14000.00}, balance on it is {$290.00} as of XX/XX/XXXX. I have substantial limit remaining to be utilised. On XX/XX/XXXX, I contacted the customer service department of Capital One to inform them of a large purchase I was to make later that evening for the repair of my husband 's car which amounted upto {$6000.00}. I spoke to representative XXXX and was told that I do not require to inform Capital One of such purchases as I have no restriction on my account. Later that evening when I went to pick up the car from the auto shop, I tried to use my Capital One XXXX Credit card but was immediately declined. I then contacted the customer service department again and come to find out that they restricted my account with XXXX explanations or notifications. And the rep mentioned that it is being reviewed by a specialist and that I will not be able to use my card for 7-10 days or until the restriction is removed completely. I contacted them again and was connected to the fraud department, this time rep XXXX and XXXX repeated the same thing and refused to tell me the reason for this restriction on my account. They declined to help me and just asked me to wait to be contacted by Capital One directly after 7-10 business days. Due to this my husband and I have been placed in a difficult situation with no reliable transportation until this Bank reviews my account which was opened recently. I had a balance of {$590.00} as of XX/XX/XXXX, of which {$300.00} was paid same day. This payment was above the minimum payment of {$25.00} required. 
Capital One has failed to resolve this issue with a reasonable cause. I did not even attempt to utilize more than half of the credit limit, I informed them prior to making the purchase and I have no late payments, yet my card/account has been restricted or blocked from being used. Very disappointing and terrible experience. Will advise others to be very careful before banking with Capital One.
Product: Debt collection

I received an outdated lease after I requested validation of a debt. I also received a list of fees that we're out side of the dates of the lease. I believe the lease was altered as well because it stated four months in parentheses as the terms of the lease but it also showed stated the number 12 as in 12 months. An outdated lease can not be used to validate a debt.
Product: Checking or savings account

During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX  and I had a donation that was given to my Church. 
However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX  ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. 
Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. 
I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. 

PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I sold Bitcoin that was in my portfolio managed by the Gemini Trust Company. As a result of the sale I now had {$15000.00} available to withdraw. I initiated the withdraw via a wire and within minutes I had an email confirmation stating that I would have the funds in my bank account within 1 business day. It's now been 21 days and I still don't have my funds. I have submitted countless support tickets, sent their support XXXX account many direct messages but they don't reply with anything but automated messages stating that they are really busy. As I mention above, I have submitted many support tickets but this is the ticket number for the first one that I submitted on XX/XX/XXXX XXXX. 

I would appreciate any support I can get to have this resolved. At this point it feels like theft as I don't have my money and am not getting any valid status of what is happening with my funds. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.
Product: Credit card

Credit card was assessed undue fees and did not make any calls/contact to alert me that a balance was pending on my account.
Product: Mortgage

I currently live overseas and not in the mortgaged property. My mortgage was sold from the prior servicer ( XXXX  ) to Loancare in late XXXX. XXXX told me Loancare was taking over the mortgage. 

On XX/XX/2022 I emailed Loancare 's Customer Advocate and explained that I didn't live in the property, provided my mailing address, and said " I was told that my mortgage was being transferred to you, but I have not received any information and I need to know where to make payments. '' I received an automated reply that day that said the office was closed but they would respond as soon as possible. I received similar automated responses ( still replying to my original XXXX message ) in XXXX and XXXX indicating they would respond as soon as possible, but have not gotten an actual answer. I will attach these messages. 

On XX/XX/XXXX, I again received a message from Loancare that " Our office is currently closed. Your inquiry will be forwarded to the team of specialists experienced in resolving your issue when our office reopens. Our hours of operation are from XXXX, XXXXXXXX XXXX XXXX XXXX. Eastern time. We will provide you a response as quickly as possible. '' It's been nearly 6 months and I haven't received information from Loancare about my mortgage, so I have not been making payments ( I wouldn't even know where to make them to or what my account number is with them ) and am scared they will foreclose without even notifying me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An unrecognized hard inquiry made by XXXX XXXX , XXXX. on XX/XX/2017. on XXXX   reports.