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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Product: Mortgage

Submitted a Mortgage Refi Application in XXXX of XXXX with Navy Federal Credit Union. To date ( XX/XX/XXXX ) we the applicants still have not closed. We have been told multiple times that we are just a couple weeks from closing only for another two months to pass by without action.

Our loan officer continues to ask for documents that we have  submitted on multiple occasions. The level of scrutiny being exacted upon is discriminatory. We suspect that it because we are XXXX American in the age of COVID-19 in which XXXX people are being impacted the worst economically. To date we still have not closed and Navy Federal Credit Union continues to ask for information for which feel is designed to stall from having to approve the loan. 

I am a veteran having served 22 years in the XXXX XXXX.
Product: Payday loan, title loan, or personal loan

As well all know, Borinquen Title Loans ( BTS ) is a company that provides secured loans where borrowers can use their vehicle title as collateral. Borrowers who get title loans must temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. When the loan is repaid the vehicle title must be returned to its owner. At the time I signed the contract, I was told that mailing the vehicle title would be option for me to get back said title. For my surprise, once I repaid the loan, I called BTS and I was told that I no longer have the option to get the vehicle title back by mail. As a result, I am prevented or, at minimum, limited in obtaining my vehicle title in return.
Product: Credit card

I submitted a debt validation letter to credit collection agency PRA. They responded with XXXX statements both showing I owe {$XXXX}. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these XXXX statements are debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted identity theft report, they chose to fix some issues and ignore others under FCRA 611 ( 15 U.S.C 1681i ) they are to re-investigate. i have attached the report and some of my credit report to be investigated, and have circled the one i believe are not mine.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a notice that a debt collection had been added to my credit bureau file in the amount of {$1600.00}. The credit collection agency is Merchants Credit located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I sent the XXXX debt validation XX/XX/XXXX. I sent through certified mail with return receipt and received no response. I sent another letter dated XX/XX/XXXX also through certified mail with return receipt. Once again with no response. When I dispute through the credit agencies that the debt is valid.
Product: Vehicle loan or lease

On the day of XX/XX/2023 I mailed a negotiable instrument with a signature that stated. " I accept the offer in the amount of XXXX for valuable consideration and tender the full amount of all claims, by without recourse. '' The offer was accepted on XX/XX/2023. I have proof which will be attached that my account was not tendered properly in good faith my account should be fulfilled. I've reached out to their missing payments department. They asked for the receipt and USPS money order number. I asked to speak to a supervisor on XX/XX/2023 as well as proof of my draft and accepted the offer USC 3-311 ( a ) ( i ). Here is the email sent " Upon accepting my payment In good faith the negotiable instrument ( money order ) accordingly, Ucc 3-311 was accepted for cash for the full satisfaction of the account. Due to the draft stated, my account should be fulfilled and zeroed out. The instrument has to be tendered properly in full satisfaction of the claim. '' I received a letter stating that I was in a penalty of past due when my offer was accepted for value. 
I've called multiple times. They said that it would be an email sent to me in regard to my account on the day of XXXX XXXX. I still haven't heard anything. Nor has my account been resolved. 
Under the law of UCC 3-311 satisfaction by use of instruments and UCC3-310 effect of the instrument on obligation for which taken. Due to the money order and draft being accepted and cashed, the debt should be discharged.
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding Vehicle Repossession and License Plate Issue Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my experience with Westlake Financial Services following the repossession and subsequent reclamation of my vehicle due to non-payment.

After settling all outstanding fees, I successfully reclaimed my vehicle from the auction facility. However, upon retrieval, I discovered that my license plate had been removed as well as my valuable documents for my businessees and personal protected information. When I inquired with the auction facility, they denied any involvement and directed me to contact Westlake Financial. Upon reaching out to Westlake Financial, they also denied any knowledge regarding the whereabouts of my license plate. 

As a result of this situation, I found myself in a distressing position. I was pulled over twice by law enforcement for driving without a valid license plate, resulting in fines and negative reports on my driving record. In order to resolve this issue, I had to borrow funds to pay the fines and obtain a new license plate.

Despite fulfilling my financial obligations and addressing the unforeseen challenges caused by the repossession process, Westlake Financial continues to contact me daily regarding payments for the vehicle, adding further stress to an already difficult situation. 

I kindly request the CFPBs assistance in investigating this matter to ensure accountability and seek resolution for the undue financial and legal burdens I have faced. 

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/2022 XXXX XXXX : Account number XXXX XXXX XXXX  : Fraudulent Charges {$29.00}
Product: Credit card or prepaid card

S sometime in XX/XX/2021 I dropped something on my glass stovetop and damaged it. I went online and found XXXXXXXX XXXX XXXX talked to a person ( XXXX  ) and she gave me a good replacement charge. I gave her my info ( credit card ) and she said she will send me an invoice in the next few minutes. when I did not receive an invoice in. several hours I called back and was told there was no order placed in my name and no one by name of XXXX worked there. I told him to cancel the order if they found it a and I no longer wanted the stovetop. several weeks later I received this large box with a damaged stop top from their return dept ( shown on their label ) I called many many times and never spoke to a person usually their hung up on me as soon as I gave my name.I reported this to Chase Bank and they took charge off my account. A couple of weeks later the charge appeared on my account again. I called Chase and they said it was a billing dispute.I contacted XXXX  and told him what had happened, XXXX issued a label and returned it to XXXX XXXX told me there was no charge to me because the stove top was damaged in-transit and they were responsible. I submitted this to chase with all info tracking. nbr, proof of delvy to XXXX but they say it's a billing error. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We financed our new home in XXXX 2015 with XXXX XXXX with reasonable assurance that our mortgage would n't be sold. In XXXX, JP Morgan acquired our loan and we began paying XXXX. I received notice today that XXXX XXXX Administration and Reporting will be our new servicer starting XXXX/XXXX/2015. That 's XXXX days notice and we only paid XXXX XXXX before our loan was sold. We have had bad experiences with mortgage servicers in the past who increased our mortgage payments greatly to cover escrow shortfalls through the year. It seems wrong that the owner of our mortgage can sell it every two months.
Product: Debt collection

Dave inc sent me an email saying there is a debt to settle on an account i had closed because of their data breach. My account was hacked 2 years ago and i had closed the account. They will not let me into the account because the address was changed on the account so now the account is under my SSID but i cant get into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday XX/XX/2023 this is the email transunion sent me on XX/XX/2023 now Im done dealing with these people because it is clear that they are lying to someone! I am requesting that the negative marks on my credit report be removed immediatly as for in the future they are just going to keep lying about my account until I give up. I am serious about removing them and requesting information on where to start with a lawsuit!!!
Product: Credit reporting or other personal consumer reports

Hello and good day Experian, just want to let you know that the incorrect and false information you are reporting on my credit is already deleted by both XXXX and XXXX and are blocked from reporting, seeing this still appear on my credit is absolutely questionable it is stressing me out. This has been so frustrating as I have already communicated this so many times and a representative of yours that I have previously contacted says it'll be deleted yet I still see it.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit card with CapitalOne is a company card that was a charge card and not a credit card. We have been using CapitalOne for 7 years through out our entire business history. And we have never ever paid late nor I have ever had bad credit reported on my account. However, as we were working with CapitalOne on a regular basis, they have decided to charge this account off even though we were making payments, and they have hit me with the bad credit reporting and that was not what we agreed on. Now they are refusing to remove the reporting, and it is killing us in many many ways when we are conducting the business. They are not assigning a POC to even talk to. We are calling in the regular customer service line and going through a million transfer to even find the right department. No matter how many times we ask for escalation, they refuse and they just come back reading the same script as if we are talking to a bot and they are not even considering anything. They are basically there just to perform defamation. 

Also, this was a business credit card to start with and it should not have been reported on my personal record. And as a small business, we have been struggling a lot this year due to the economic challenges. And this has been an unfair, unforgiving act without any agreement approaches on the payment plan no matter what we said and accepted. 

I would like to appeal this and get this resolved through the CFPB please. As for everyone else, please be careful when banking with XXXX.
Product: Checking or savings account

I opened a checkings account due to a promotion going on which offered {$300.00} bonus if you had two direct deposits with the total of {$1500.00}. Promotion indicated it would take 30 days to receive bonus upon qualifications which I had then confirmed with several reps to be sure. After numerous attempts to confirming my deposits qualified I did not get the bonus. I spoke to several reps and two reps confirmed I would qualify based on the promotion that was running. After not seeing the bonus I ended up withdrawing my {$1500.00}. Bank reps gave me the run around and kept giving me different information. I made sure I followed all the criteria to qualify for the bonus which was doing two separate deposits of {$750.00} twice with the total of {$1500.00}. Proof of funds are shown in image attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with XXXX.
Product: Mortgage

A QWR and NOE was faxed over  XXXX   XXXX    XXXX   and the lender has not responded. The sale is active while in review for a response to legal challenges. A loan modification packet will be submitted for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in mile is listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in a dispute the Experian to delete a XXXX XXXX revolving account that does not belong to me. account # is XXXX amount : XXXX. XXXX XXXX has yet to delete this inaccurate information from my consumer report and god truth I am tired of reporting this information to the CFPB that does nothing. Experian has yet to report another inaccurate information from extra account # : XXXX, stating the account is delinquent when the account is paid. I am tired of this inaccurate information being reported by these companies destroying people 's livelihoods. I know CFPB won't do anything so before I take legal action I will complain here.
Product: Vehicle loan or lease

XXXX I started a lease with Chrysler Capital for 2 cars, each car has its own account online to make payments. I pay {$230.00} each month, and in XX/XX/XXXX, I had trouble signing into account # 1 to make the monthly payment, so to avoid a late fee I made a double payment of {$470.00} on account # 2In for both cars. Once I made the double payment I called Chrysler to explain why I made the double payment hoping they would transfer the {$230.00} to account # 1. Nobody answered the phone due to the pandemic, and therefore the issue was not resolved. When finally I was able to contact them I explained the issue to them and asked them to correct it, they said they will, but they did not do it. 
I contacted them again in XX/XX/XXXX and they told me that in order to solve the issue I had to submit a {$470.00} payment ; I made the payment on XX/XX/XXXX and I did wait. 
A few months later I came to know that the issue was not solved then I called them again and they told asked me to submit another {$470.00} payment and they promised that they will solve the issue. I did the payment on XX/XX/XXXX, A few months later I came to know that they did not fix the problem and they were charging me late fees {$32.00} every month then I continued calling, but they did not help me. I talked to agents, supervisors, and managers, but they did nothing about it. 
On XX/XX/XXXX I spoke with someone who wanted to help me and asked me to submit a {$230.00} extra payment to bring to current the account that was past due, I made the payment on XX/XX/XXXX, but they did not waive the full late fees amount. 
On XX/XX/XXXX when the lease was ending, I chose to buy both of the leases, when I went to the dealership, they told me that in order to buy the lease I had to pay the late fees which were over {$650.00} and the worst scenario was that I got a high-interest rate for the deal due to that issue which they never wanted to solve. I had to pay the late fees on XX/XX/XXXX so I have to be paying interest for the late fees too because late fees were added to the price of the car. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a credit card after I financed a vehicle through them. I have paid both accounts exemplary since the accounts were opened. On XX/XX/XXXX, the credit card account was closed without my knowledge. I only obtained this information when I called to make XXXX 's payment and was transferred to the collections department. Collection manager, XXXX, explained that the indirect lender manager, XXXX, closed the account, apparently due to XXXX and myself having a disagreement. To talk about my account, I have to talk to the collection department. I have never missed a payment or been late. Personal reasons should not be a professional reason to close my revolving account that is paid exemplary every month, which would continue to help build my credit. I have disputed this through the XXXX, in which i recieved an email from them stating that the dispute was closed due to not responding within 7 days of supposedly recieving XXXX XXXX XXXX XXXX 's response that they sent via mail. I never recieved that correspondence through the mail. This is extremely unprofessional and is negatively affecting my credit.