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

Dear XXXX Executives, I wanted to let you know about my credit report issue. I have been a victim of identity theft and fraud, and unfortunately, I have been part of XXXX data breaches to date. Recently, I have been working with you and other organizations to get my credit reports and other information back in order. However, I have noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being removed previously. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to have it removed from my credit report. So, I would appreciate it if you could resolve this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has called 4 times today alone. I have told him that if he has legitimate business with me send me the paperwork and I will have my attorney take care of it. He calls and threatens to have papers served on me for credit fraud on a debit that I dont owe. He claims to work for or with an attorneys office but refuses to give me the name. He tells me that they, meaning him and a collection agency that has been harassing me for XXXX years named XXXX XXXX, are just going to continue calling me. They call my parents house number as well as my number. I have asked for them to send me documentation for the debit and they just threatened to have me arrested because I didnt want to pay over the phone. I have been harassed and threatened by these people for years and I have repeatedly told them that I dont owe the debit and told them to no longer call me. XXXX XXXX XXXX phone # is : XXXX ( XXXX ) XXXX. The number of XXXX  changed every time or was blocked but my parents continued to tell them that that it wasnt my number. 
My name is XXXX XXXX XXXX My Phone number is XXXX and my address is XXXX XXXX XXXX, XXXX XXXX Tx XXXX.
Product: Debt collection

AD ASTRA RECOVERY SERVIC 12 XXXX XXXX   XXXX XXXX Tried to collect {$640.00} through my XXXX  XXXX XXXX account though they had no access to my account information. I never gave them access to my account. I never did busy with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a jeep with XXXX XXXX XXXX XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the jeep and I had a payment agreed made with courts. XXXX XXXX did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to Experian with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and Experian still not fix it. Then after I made the payment left I get a alert that XXXX XXXX reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with Experian for them to state the info was credit. How is this possible??? I contact XXXX XXXX and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.
Product: Mortgage

I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

Following hard Inquiries : 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 XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MAJOR issue here. Back i n  XX/XX/XXXX , I contacted Chase after I received a letter about an Amazon.com Chase credit card application denial after nev er submitting an application. I contacted Chase, and they told me they would  remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XX/XX/XXXX , and  I 'm still regularly ( at least 2 times a month ) receiving application denials for the  Amazon.com Ch  ase  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  Chase, again, and was told they 'd remove the inquiries, even the one  fr om  XX/XX/XXXX  still on m y credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date  XXXX  is showing : Company Information : CHASE CARD Date of Inquiry :  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX     XXXX   is showing : CHASE CARD Date :   XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date : XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  CHASE CARD Date :  XX/XX/XXXX  An d   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with Chase bank, and  Amazon. Although this is n't so much Amazon 's issue as they 've reset my Amazon account thinking I was a victim of a hacked Amazon account. Even after that, the issue is still occurring even after Amazon reset  my account information. The issue is n't so much w ith Amazon, b ut with Chase repeatedly processing unauthorized credit requests for the Amazon.com Chase credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
Product: Debt collection

I have health insurance that would have covered this debt. It should have went to insurance after I paid my co-pay
Product: Payday loan, title loan, or personal loan

I was mailed an acceptance offer through the mail from Regional Finance in XXXX Alabama. If I cashed it I accepted the loan money on their terms. I took out an extension and ended up moving to another state. I live XXXX miles away from their office now and have been doing research on the Cesti que act. I know that all loans are already paid. I asked the ladies in the office earlier this week to mail me a remittance or payment coupon, to which both women I did ask, stated they did not mail out statements. This is a violation of USC 1693o-1. I was certain the USC code would mean they have to mail me one of those coupons. I have the address for their headquarters based in XXXX south Carolina, so that's where I am going to send the 1099-A, 1096, and 1040V. But I was wondering if anyone would be willing to check my code listing to see if that code applies to my particular situation. If it does, why wouldn't they be able to send a coupon by mail to my new address.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened : XXXX This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance.

2. They dont have any payment displayed or registered from open date of XX/XX/ through XX/XX/ 3. How can an account be charged off in a month if my open date is XX/XX/ and last payment is XX/XX/ as reported?
Product: Credit reporting 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 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

Greetings i am writing to dispute Mr Cooper Mortgage. My family and I recently have an opportunity to a fresh financial start. My family has been in XXXX XXXX for the last 5 years. Recently I was introduced to Maryland HAF Program federally funded programs to assist family in various needs. I applied for water and mortgage. We were approve for both to pay delinquent water bill and the arrears on my mortgage. I contacted my attorney to inform him of this approval. He then contacted the trustee and they also approved and discharge the bankruptcy.The HAF sent a letter stating the water bill approval however the response from Mr. Cooper was denied for reason of non participant server for modification or to receive any grant funding for my mortgage. This put my family at a total disadvantage. I applied again after contacted Mr. Cooper, the representative assured me that Mr. Cooper encourages consumer to request for programs for assistance. I proceeded perhaps this was an oversight. I applied again XX/XX/2023 we received a denied letter for the same reason. This was very disappointing in addition because we moved forward to discharge our bankruptcy now we are being force to take action because it was a intent relief of stay letter sent XX/XX/2023 because we are no longer in bankruptcy. Please help my family
Product: Credit reporting, credit repair services, or other personal consumer reports

did not access a credit report didnt ask anyone to check my credit
Product: Credit card or prepaid card

I have been diligently making my monthly payments and finding out that there is a late payment recorded on my account is not acceptable. I have never missed a payment on this account, and therefore, I am requesting that the late payment be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  for ( XXXX ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for  less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against Capital One because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  Mortgage Services '' inquiries in XX/XX/XXXX without my permission! XXXX won't provide me with any information regarding these inquiries and I would like to report them.
Product: Credit card

In XX/XX/XXXX, I filed a CFPB complaint against Capital One ( CFPB # XXXX ). They refused to return my deposits ( {$130.00} ) from XXXX despite providing them with evidence, which included XXXX 's own policy of temporarily withholding {$50.00} on the credit card for XXXX week that would be returned to me ( attached ... .again ). 
They sent you - CFPB - a copy of a letter addressed to me ( attached ), stating : " On XX/XX/XXXX, we issued a goodwill credit of {$130.00} to your account ''. In which you XXXX- closed the case. 
However, no credit was extended to me at all. When I called today ( XX/XX/XXXX ), I got same old song and dance that prompted the original complaint : they took XXXX 's side. I asked Capital One to provide me information XXXX had provided them that disputed my claim. They can not do so because they don't have it. They have the same REFUND POLICY from XXXX that I have. So essentially, Capital One lied so that the original case could be closed.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request that Bank of America inquire about my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have leased a vehicle for the XXXX  XXXX  XXXX XXXX  XXXX   The idea behind leasing a car was to build my Friend credit and I was the co-signer on the lease As my friend credit was completely new After the purchase of the vehicle My credit started going down and after making 3 payments Nothing was reflecting on my friends credit so I decided to call XXXX XXXX to check on the loan whats happening as I dont see any progress after consulting with them XXXX said me that they have received incorrect information from the dealer as the dealer has given my details like name dob and address and phone but Social Security Number was of my friends and vice versa and they said if they even fix the issues they will not help my friend and anymore because we have already made 3 payment and nothing else can be done at this point and I  have to address this issue with the dealer As I went back to dealer letting him know about the concern that I have and the mistake that they have done firstly they denied saying that they have nothing to do with this and I have to resolve this issue by myself with credit bureau agencies As I said explained him that I have no point of contact for them if he can not provide me with the resolution they I have to take them to court for fabrication of the law and manipulation of the personal info Then on call he said me to come to the dealership and they fix the issue by buying the lease from the bank and removing me from the lease and reporting as car paid off on my account or they will get this car with no charges on my end and will get my friend a decent car and after I went to the dealership they made me wait for hour and and try to figure out if have done any mistake so they couldnt help me and after all that they said me if I want they to help me I have to come with more {$7000.00} to get the car lease cancel and buy the same car by putting 20 % more down payment towards the car and sale them the car at XXXX and buy the same car for XXXX and plus taxes and fees To correct the fabrication of the law that they have done to make a sale of the car. 

Please help me on this as I have been going through lot of mental stress and harassment due to as it is stopping me to Succed and make a leaving
Product: Consumer Loan

My son and I shopped for used vehicles at Toyota of XXXX in XXXX of 2012. I consider myself somewhat knowledgeable and am ashamed I fell for their tactics.We were pretty forcefully directed to new cars and repeatedly advised that was the best deal as it was XXXX sale. No one could advise on the price or pmt of a vehicle without talking to the finance guy. When he ran the numbers he advised the only way we could qualify was on a new car due to the " sale ''. Before I knew it he had the contract up and when I questioned the pmt which was much more than I was led to expect he explained that the only way we could get the car was to have all of these extras added on. Gap Plan, Service Contract, Maint plan, Tire Hazard and Dent repair.The car was for my son who to make the pmts and the pressure was unbelievable! I advised he could n't make the payment and he said this was the only chance to get a car due to credit issues and tomorrow the " sale '' would be over. We signed. After getting home i called and spoke to a few people in the car business who explained that what they did to us was illegal. I immediately called and advised them of what I was told and they brushed me off. I had a friend in the business call and talk to them on several occasions. I threatened an attorney and advised I was bringing the car back and leaving the keys. After repeated pressure and talking to main headquarters i still wanted to bring the car back but they advised I couldnt but they agreed to redraw up the documents as they had to admit we were right - we could n't be forced to have all of the extras in order for them to finance the car. We were threatened at that time that now we may have to provide other financing or immediately be repossessed since Toyota would only finance with this deal due to our credit. We had to wait and see. After a month a new pmt book came with a reduced pmt. I was between a rock and a hard place on this car at this point and hoped they would just take the car back. I feel we were the victims of predatory lending, intentionally misled and strong arm tactics in this sale. The car was repossessed after my son lost his job and we struggled for 3 years to maintain pmts. I had all intentions of paying as I felt my ignorance played a part in this as well. After the repossion Toyota refused to work with me even after my financials provided to them showed I had less than XXXX extra per month towards a repaymentt of the difference in the sale of the vehicle. I have both sets of documents in my possession showing they had to change the terms that I called them on in the initial sale. I have attached.