23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX I was forced into a payment arrangement with no other options based off the branch my title is located. I was given the amount of {$470.00} but the last payment change in XXXX the week I was supposed to make a payment TO {$500.00} I was told it was a additional late fee added but the late fees are {$32.00} which is not adding up. I spoke with someone who stated to tell her which bill and she will decide if I can make the payment. I received a call Monday and inform the company I could make the payment of the {$500.00} on Thursday XX/XX/XXXX was told no and the collector hung the phone. I called back informed the next collector of what happen and to process the payment on my account for Thursday XX/XX/XXXX and received a confirmation number. The collector who processed the payment took the funds out of my account on Monday XX/XX/XXXX. I called to address the situation and spoke with the same collector, she stated I gave her permission which I told her there is a recording of the entire conversation. She then started to yell and hung up the phone. I called back and I ask to speak with a manager and collector told me he is busy. I also asked where was the office located to speak with a manager and the response was where your title is ( Title for the car ). Being this payment was processed without my permission on a day I did not authorize, I now have bank fees and my account is over drawn.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally. I was a victim of the Equifax data breach. I want these items Deleted from my credit reports, elective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received an alert from credit karma/ about a new collection. viewed and seen that it was from XXXX. I attempted to reach out to them on XX/XX/XXXX to verify what they reported to the collection agency. They could not verify anything because It was already out of their system. I was given a phone # to XXXX XXXX XXXX, I called them at XXXX I was told that my account ( which was put in collection just a few days ago ) was now with an attorney office and XXXX. Spoke with XXXX from this company asking why and what was being reported because I no longer owed XXXX and completed my contract with them. They told me I should have worked it out with XXXX before it came to them and now my options were to pay or settle. I advised I would not settle or pay a debt that I do not own. 

My complaint is how do these big companies get to come up with some random payment or bill that a consumer owe and its allowed to be put on my credit report. I had XXXX tablets on an 18 month contract that I paid from XXXX of XXXX XXXX of XXXX which is when I left XXXX the XXXX contract was up and the guy from the collection agency went through and had my dates but said that what they reported and that is what they are going to collect. ( with no regard to it being accurate or not ) How is this legal. and my credit report is affect in the end. I want this account off my credit report and I want them penalized for erroneously reporting this on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the actions taken by the staff at XXXX XXXX XXXX XXXX in XXXXXXXX XXXX on XX/XX/year>, during my visit to purchase a new vehicle. 

I arrived at the dealership with a pre-approval for financing through XXXX XXXX XXXX, a financial institution with which I have been a long-time customer. Before my visit, I clearly communicated to the sales team that I had already secured financing through XXXX XXXX and requested that they match my pre-approval with only XXXX inquiry via XXXX XXXX, as per standard procedure. 

However, despite my explicit instructions, the sales manager proceeded to run a total of XXXX credit inquiriesone authorized through XXXX  XXXX, and XXXX unauthorized inquiries through XXXX XXXX 's in-house financing, GM Financing , and XXXX XXXX. I immediately received alerts from my credit monitoring service regarding these inquiries. In response, I rushed to the finance office and urgently requested that they stop, as these additional inquiries would harm my credit score. The response I received was dismissive, with the finance staff assuring me that " when you buy a car, these will fall off. '' I knew at that moment that this statement was false.

Since that time, I have made repeated attempts to contact the finance manager, leaving multiple messages, and have also reached out to the respective finance companies involved. Unfortunately, none of these efforts have resulted in any resolution or assistance. 

I would like to state, with my mother as a witness to the events, that none of these unauthorized inquiries were permitted by me. Despite this, the dealership has refused to acknowledge or rectify the situation, which I believe constitutes a serious case of fraud. 

I am requesting immediate assistance and resolution regarding this matter, as these unauthorized credit inquiries have negatively impacted my credit score and caused undue distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DUE TO THAT XXXX XXXX XXXX THE BANKRUPTSY BEING ON THERE LONGER THAN IT SHOULD, I HAVE NOW GOTTEN THE LETTER OF DENIAL FOR SCHOOL LOANS ... .IM VERY UPSET! ATTATCHED ARE THE PROOF OF LETTERS XXXX DDENIAL FROM XXXX XXXX XXXX XXXX WHERE I BANK AT BUT THEY DENIED ME AS WELL FOR A LOAN FOR SCHOOL AND A CREDIT STUDENT CARD. EVEN I GOT DENIED BY COLLEGE AVE. LOAN!
Product: Credit reporting, credit repair services, or other personal consumer reports

30+ days ago I called XXXX XXXX XXXX fraud department  at XXXX to inform them a hard inquiry listed on my transunion credit report do not belongs to me or was made fraudalent. The agent told me they will notify transunion to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify transunion to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.
Product: Debt collection

Amerifinancial Solutio originally XXXXXXXX XXXX XXXX XXXX XXXX was opened on my credit report as of XX/XX/2020 in the amount of {$1400.00}. I have no knowledge of this debt and it does not belong to me.
Product: Mortgage

Shellpoint does not legally own my loan nor new rez. The loan was never recorded with the XXXX XXXX porbate office when it was obtained by greentree mortgage company in 2005. Nor when it went to Ditech who illegally took the mortgage from my bankruptcy court and violated my automatic stay. Now by new rez who used a third party collection company Shellpoint to illegally collect on the debt another violation of bankruptcy law. No third party can collect a debt for a lean holder under bankruptcy law. This is mortgage fraud and new rez refuses to tell me how much they bought my loan for when they obtained them from diteh bankruptcy. All mortgage loans in Alabama have to be recorded and kept up to date by the mortgage company who obtains them. Shellpoint by being a 3rd party collection company violated my automatic stay when they collected on the loan and they do not solely own the loan it was sold to new rez who use brokers and bonds people to profit off selling parts of the loan. They also refused for 5 months to put my discharge letter in my file from my XXXX plan. Violation of bankruptcy law
Product: Credit reporting or other personal consumer reports

After reviewing my credit report recently after not using it for years, I noticed accounts reporting that I never applied for. I have not used my credit for years now yet there are accounts that are reporting under my name which I never authorized myself. I believe that someone has used my personal information to open these accounts. 

The following accounts are not mine, were opened fraudulently, and should be deleted from my credit report : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Product: Debt collection

Collection agency has not provided validation information uner 12 CFR 10006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and decptive means.

Collection agency has no authority to furnish my account to a consumer reporting agency without my providing and and all disclosuresrequired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ) I am disputing owing any and all debts to them. I revoke all rights of all claimants communicating with me through email, texts and calls.

I am requesting debt validation. I am also requesting the purchase agreement between the debt collector and the original creditor.

I am also requesting that the debt collectors are licesned and bonded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit card or prepaid card

I Have Apple Card issues by Goldman Sachs. First of all the interest rate is outrageous and secondly they do not disclose how the interest is calculated
Product: Mortgage

Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.
Product: Credit reporting or other personal consumer reports

I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX Experian and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of the following information from my file. The items I am requesting to be deleted are listed in the attached report. did not make the charges in question. 
I have reported and have enclosed copies of the Federal Trade Commission Identity Theft Affidavit for your reference. 
Please delete these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Product: Consumer Loan

My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization.

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

I enrolled in the Public Service Loan Forgiveness program because I only work for non-profits. FedLoan Servicing has given me the runaround since XXXX. I have sent in the forms, which they claimed they never received, sent them again and again via fax, yet I can not get the customer service reps to accurately record my employment with the non-profits correctly. By them not recording the information correctly, they always say I am not enrolled or they have no information regarding the agency. I have been with the XXXX FL XXXX ( the 2nd time ) since XXXX. Today they recorded it as XX/XX/XXXX. Prior to that I was employed with a XXXX organization in XXXX - no credit for employment there. FedLoan Servicing has done everything possible to incorrectly show accurate employment information to make sure I dont get credited appropriately. They do n't even credit my overpayments correctly.
Product: Student loan

Company is Asset Recovery Solutions , LLC. Contacted them about obtaining information about this loan as it appears to be in the hands of the XXXX or XXXX collection agency that has called about this loan. Another company has already seized my daughter 's tax return to repay this same loan. The staff was extremely rude, told me to just pay the loan, referred to me as a deadbeat. I had worked out a payment plan with XXXX previous company but they had slipped in terms that were not acceptable. This company is refusing to forward my papers so that I may review this loan. My daughter, whose loan this belongs to, contacted this company and they were rude to her, yelled at her and refused to forward any paperwork about this loan to her. Another company, XXXX XXXX has already started collections on this loan and has seized my daughter 's tax return.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a formal complaint against Capital One Credit Cards regarding their refusal to accommodate my request for a financial hardship review. Despite being on public assistance and facing severe financial challenges, I have encountered significant resistance from Capital One in obtaining the necessary assistance to manage my situation. 

I have been a loyal customer of Capital One Credit Cards for several years and have always strived to meet my financial obligations. However, due to unforeseen circumstances, I am currently experiencing extreme financial difficulty, and my ability to make monthly minimum payments has been severely impacted. I reached out to Capital One requesting assistance in the form of a financial hardship review, which would include waiving late fees, lowering interest rate, arranging a feasible payment plan, or even settling the full balance at a reduced rate. To my dismay, I have been met with rejection on all fronts. 

I am deeply frustrated and disheartened by the lack of empathy and understanding demonstrated by Capital One 's representatives. While I understand that credit card companies operate within certain guidelines, I believe that there should be room for compassion and assistance in cases of genuine financial hardship, especially considering my consistent payment history prior to these difficult circumstances. 

I have explored various avenues to resolve my financial situation, and my request for accommodation is not made lightly. The refusal from Capital One has left me in a state of uncertainty and distress, as I am unsure how to navigate this challenging period without their cooperation. 

I kindly request your intervention and investigation into this matter to ensure that Capital One adheres to fair practices and provides assistance to customers who are genuinely struggling. I believe that a reconsideration of my case and a willingness to work with me to find a suitable solution would not only be in my best interest but also align with ethical and responsible lending practices. 

I am grateful for the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and promoting fairness within the financial industry. I look forward to a prompt resolution of this matter and appreciate any support you can provide in facilitating a productive dialogue between myself and Capital One. 

Thank you for your attention to this pressing issue. Please do not hesitate to contact me if you require any further information or documentation from my end.
Product: Mortgage

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Product: Money transfer, virtual currency, or money service

Apple Card is refusing to open an account for me because they can not verify my identity supposedly. I have been a victim of identity theft and I am under the military act
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX