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

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. Accounts : 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: Debt collection

On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.
Product: Credit reporting or other personal consumer reports

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. 

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

This company has entered my property, without legal warrant or cause, violating my 4th amendment rights and violating my property by illegally touching and disabling it it without notice or fair remedy. I want them to be heavily fined. They also must issue a UCC termination. Failure to do so will have them taken to court and suing for violation of my 4th amendment rights.
Product: Vehicle loan or lease

I XXXX XXXX submitting this claim myself and no third party is involved. I XXXX XXXX, a natural person, and creditor of a open ended credit plan was denied my right of credit by Capital One. I was notified of this transgression of my rights, specifically 15 USC 16001-T.I.L.A, by Capital One. Via U.s mail. According to the 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Capital Ones adverse action taken against me, Capital One admitted to using a credit scoring system that assigns a numerical value on information in my credit report. Capital One admitted XXXX the credit reporting agency advised them to share my PRIVATE info via my credit consumer report. According to 15 USC 1602 ( p ) XX/XX/XXXX Never had my permission to allow Capital One to view my non public private information in result I received no benefit from this credit transaction. Capital One adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. Capital One is now civically liable to pay me for the damages.
Product: Debt collection

My son and his mother my ex wife filled out rental app for student housing with the XXXX XXXX XXXX and put my SS # by mistake all other info is my sons not mine.They have called the XXXX and Pro Collect as have I to explain this this is not my debt and I would like it remove from my Credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and after fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these vuolations.
Product: Credit reporting

I have repeatedly disputed credit report information to Experian regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX XXXX and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately Experian reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.
Product: Credit reporting

Regarding my fico score.. For the last several months my fico score was XXXX with XXXX late payments reported on my credit bureau report. I disputed all XXXX lates because they were a result of bank error. Recently one of my creditors reversed the late payment reported to the credit bureau file and i now only have XXXX negative trade lines reported to my credit bureau file and as a result my fico score went down to XXXX. So to recap..my fico score was XXXX with XXXX lates reported and experian credit bureau dropped my score to XXXX with XXXX lates reported. So i called experian at XXXX on a authorized recorded phone line to find out why my score was lowered without any furthur negative trade line reported and the rep. Was not able to provide me with an answer at all instead reffered me to callXXXX for furthur assistance but the number is useless to me as it does not provide me with any assistance to my issue at hand. So now i dont know why my fico score was lowered and it deprives me of my rights to dispute the recent decrease of my score and without an explanation. I have a copy of the authorized phone call to experian but am unable to upload it here. Please contact me if you have any questions which i hope you will..its as if its backwards when a negative line gets reported the score lowers. But not when a negative line was removed and instead of XXXX negative lines you now have XXXX and it lowers your score. How does that reflect my financial character and history? Please help..it has placed my plans of applying for a business loan to better my families future on serious hold and i feel like there is nothing i can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I reviewed a copy of my XXXX credit report and noticed an inquiry from EXXON/CBNA with an identifier XXXX. I contacted XXXX via their online portal and asked to have the inquiry removed since I never applied for an account with Exxon. I also placed a " fraud alert '' on my credit bureau reports the same day. I received an update via the XXXX online portal several days later. XXXX indicated that they can not remove the inquiry and that I should contact the issuer. Today I received two Exxon credit cards in the mail. One was in my name and one was in the name of someone I do not know. I called Exxon at XXXX and spoke with XXXX. I asked that my account be closed and that the credit inquiry be removed from my credit bureau file. XXXX said she could not remove the inquiry and I asked to speak with her supervisor. She refused. I am asking for your help in having the fraudulent credit inquiry removed from my credit bureau file.
Product: Mortgage

Re : Amerisave Mortgage I applied for a refinance loan on application on XX/XX/2021. 
I was in constant and continual contact with the mortgage company, mostly responding to their multiple requests for information. This was understandable except it was requests for the same information over and over again. 
This back and forth resulted in receiving and responding with over 176 emails. All the while I asked and was assured my original rate was locked and secure, not to be concerned.

Most requests for information during that time were responded to by me within one business day. 
When I was finally approved on XX/XX/2021 I was told my rate lock had expired and I would now have to pay over {$200.00} more with each monthly payment. 
This delay was not any of my fault. 
At this point I am led to believe that this delay was not only unreasonable but intentional. 
I believe I was treated differently because I am a woman and maybe because my last name doesnt sound like everyone else. 
Please give this matter your attention. 
Thank you for your time and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ Experian to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XX/XX/20-XX/XX/20 and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comments on my credit not accurate bankruptcy filed XX/XX/2019, which include all XXXX XXXX accounts.
Product: Vehicle loan or lease

My car was repossessed at XXXX, despite my account with XXXX XXXX acceptance, not stating that my account is for repossession. Once I realize the tow company had my car, showed him the proof that my account was not under repossession, but he insisted that it was and told me that he did not care. He did not allow me to get none of my belongings out ( which was all of my work clothes and clothing since I am homeless ). Without once again giving me the location to retrieve my belongings and stating that the company will give it to me soon. I took screenshots of my account before he left, after he left and both times the term repossession was not listed. I also took a screen recording of my account because this is ridiculous. Not to mention the lost of wages I am experiencing from this insensitivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$260.00}, the amount they gave me to settle the XXXX XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Mortgage

XXXX - When I had my loan first set up with this company they used LoanCare to process the payments. 

I had a loan number ending in XXXX I would send payments through XXXX XXXX. 

XXXX XXXX quit using loan care, so I went back to sending them payments directly They changed back to Loan Care for servicing. 
I went ahead and made the change in XXXX XXXX. What I did not realize was they changed my loan number ending in XXXX I sent them 3 payments they SAY, they can not find. XXXX XXXX and I have sent them Trace ID 's and I have sent them Proof of Payments from XXXX XXXX. They have the account numbers. I've been calling them every week since XX/XX/XXXX. 

I can not get them to credit my account with the 3 payments.
Product: Money transfer, virtual currency, or money service

I am with Bank of America. Someone sent me payments to purchase something I had for sale. Over the course of 120 days she bought 6 XXXX XXXX from me totalling XXXX sent through XXXX  Now she has disputed and my money is on hold. What do I do. I have heard nothing from my bank about this. I thought XXXX was safe.
Product: Debt collection

AGAIN, IDEAL COLLECTION SERVICES IS REFUSING TO ABIDE BY WHAT I HAVE BEEN TELLING THEM! THEY RESPOND WITH GARBAGE AND ARE NOT CONDUCTING AN INVESTIGATION INTO THE CLAIM THEIR CLIENTS HAVE UNRIGHTFULLY CHARGED ME. I WILL CONTINUE TO COMPLAIN ABOUT THE DISGUST OF THIS COLLECTION AGENCY. I DON'T KNOW HOW THEY ARE SO QUICK TO RESPOND THE SAME DAY I SPOKE WITH THEM AND THEY ADVISE MY FILE IS NOT IN THEIR OFFICE ALL OF A SUDDEN AND TO ALLOW 30 DAYS. 



I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. XXXX XXXX  finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday XXXX XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?
Product: Checking or savings account

I wrote to USBank corporate headquarters. XXXX ( XXXX ) called me but was unable to explain why, since I increased my line of credit, I am now being charged a {$28.00} monthly service fee on my checking account when I wasn't previously. She left voice mail that was inadequate. I have called her and left XXXX mail 4 times starting XX/XX/XXXX and over the month of XXXX and she has not returned any of my calls. I contend that I should not now be charged this outrageous fee simply because I increased my line of credit. Or indeed, if this was to be a result of my increasing my line of credit, I should have received notification in writing of such, which I did not. Your assistance in this regard will be greatly appreciated. I have been a customer of USBank for over 20 years. 
XXXX
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX XXXX sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, XXXX XXXX XXXX XXXX are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. XXXX XXXX XXXX is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both XXXX XXXX XXXX and Experian via phonecall XXXX. 
I was denied a charge card by XXXX via letter dated XX/XX/2021 for the following reason -> Insufficient credit experience and it was based on " in whole or in part, on information obtained from the consumer reporting agency : Experian '' and " is unable to supply the specific reasons why we have denied you credit. '' I telephoned and spoke to the XXXX XXXX  representative who was NOT helpful at all he referred me to the credit agency Experian. 
I telephoned and spoke to an agent of Experian and I explained to him that I am XXXX  years of age and if he could explain the reason given " insufficient credit experience '' for denial of a charge card that I could conveniently use during my travels. He stated the reason being that I do not use my credit cards showing any balance of any kind. My usage of the credit card ( s ) that I do have is consistent and I pay the balance in full to avoid any accrual of interest payments added to my credit statements. It is of my opinion that this is an unfair practice and a case of age discrimination in regards to applying for a charge card as a consumer in the marketplace especially since I have excellent credit and pay my bills in full. Furthermore, I feel that I have sufficient credit experience NOT " insufficient ''.