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

I cancel my warrant with the dealer I which I was told that over a {$1000.00} dollars would be applied back to Capital One Auto in which I never received nothing showing by Capital One Bank of the credit and should have been mailed back a check by Capital One. It seems Capital One does not mail out any proof to show where the money went.My next issue with capital one auto is last month my payoff balance was XXXX in XXXX my XXXX statement shows a payoff of {$19000.00} it seems it never goes down and when I call there is no clear answer.
Product: Credit reporting or other personal consumer reports

My Equifax report shows XXXX XXXX day late payment within the past year on my report and I have no late payements on any of my accounts in that time frame. All of my Accounts are current and are Paid as agreed including a Charge off on my Closed XXXX XXXX XXXX that has been closed for some time. This also brings me to another issue I have with Charge off on my XXXX XXXX account. This account is also reporting 90 days late on every CO month in the account history and it needs to be corrected to only report the CO and not the 90 days late.
Product: Debt collection

Debt believed to be from deceased husband, XXXX XXXX ( died XX/XX/XXXX ). Currently DEVILLE ASSET MANAGEMENT is attempting to collect the debt, reportedly from " XXXX   XXXX  ''. Account was opened on XX/XX/XXXX.
Product: Debt collection

Firstsource Advantage , LLC contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with XXXX  that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.
Product: Credit reporting or other personal consumer reports

For several years I have attempted to manage the fraud alerts via " TransUnion Service Center '' their self service portal. I am able to login to place freeze, lift my freeze, pull credit report but unable to add or remove any fraud alerts directly with TransUnion. Over the years and again today XX/XX/year>, I have attempted via phone and online chat to resolve the issues with their self service portal. All I get is " there is an issue we are aware of '' Please call XXXX to manage. None of the agents want to open a case to investigate and get my issue resolved. If this feature is not going to be supported then it should be removed from their website and not advertised.
Product: Student loan

I have 5 student loans ; all have been in forbearance. Dates issued : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$2000.00} My loans have been transferred numerous times, starting with XXXX, XXXX, and now Mohela. Mohela has been very difficult to work with : On XX/XX/XXXX, during my 2nd call to review repayment options, the agent called me " WHITE TRASH '' and proceeded to tell me " I had to pay off my student loans, you are not getting a free ride on my watch ''. I had to call in a second time, because during my first call, I realized the payment plan was recalculated with a payoff date of XX/XX/XXXX- yet all the loans have been in forbearance. My loan terms are 25 years, per the Federal Student Aid website, and payoff amounts should be calculated over 10 years. They are insisting my loans are now 7 years. 

On XX/XX/XXXX, I submitted an application to the StudentAid.gov, because Mohela has refused to move my loan into the best program as advertised by the government. In speaking with an agent on XX/XX/XXXX, I was told Mohela was overwhelmed with applications, there computer system had been continually crashing, and the agent would " ... help me with my application, as soon as they helped the hundreds of other borrowers ahead of me ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Debt collection

The company Pro Collect located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX reported a collection on my credit which negatively impacted my score. They're collecting a debt which is owed by my brother  who has the same first and last name as me. I contacted XXXX XXXX ( who hired Pro Collect ) and they confirmed that I do NOT have an account with them but my brother does. I spoke to a Mr . XXXX ext XXXX at Pro Collect several times and other representatives. They have been nothing but rude to me and they keep asking to pay a debt which is not mine.
Product: Checking or savings account

On XX/XX/2019, I discovered that my Chase savings account had disappeared. I was trying to put money into the account and could not find it on my Chase Banking app. I contacted the company via the app and was received a reply saying that mu account had been closed because I went 60 days without a balance. I never notification that my account would be closed. If Chase had notified me, I would have deposited money into the account. Now that I need to deposit money into the account I can not because I dont have it anymore. I never received notification that this was going to happen and was never given the opportunity to intervene. This is poor customer service and unethical. I get notifications everyday from Chase about the most irrelevant XXXX but I never once got a notification about something that actual matters.
Product: Debt collection

All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! 
I tried to contact them with no answer.
Product: Debt collection

As of XXXX  I have been disputing multiple violations on my credit report dutle to i.c. systems. First have not ever received any correspondence or notification regarding the debt in order to dispute the debt. Second, I have not given ANY EXPLICIT PERMISSION, to XXXX XXXX XXXX XXXX XXXX to sell my personal informations which is a complete violation of my HIPPA RIGHTS. THIRD, I HAVE SENT a debt validation request, involving my identification and my social security number, on the document certified mail. Asking to breakdown fees including collection cost and medical charges, a COPY of my signature with the provider of the service to release my medical information to I c systems, and to cease any credit reporting until it has been validated. Which has not happened they have recently reported XX/XX/XXXX I believe. They have denied my request to validate my debt and still have yet to delete the debt from my credit report yet again violating FCDPA AND FCRBA. THEY CLAIM THAT ARE UNABLE TO RESPOND TO THE IDENTITY. BUT I HAVE PROVIDED ALL INFORMATION REQUIRED BY LAW. It is obvious that to me that they are not willing to follow the laws stated above. I am requesting assistance and redress.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address an issue regarding late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Debt collection

Allegedly it is an account ending in XXXX. I already know that they have violated several debt collection practices. I would like them to close or terminate the account immediately
Product: Checking or savings account

Truist bank, is always taking money out and over drafting my account. I will have the money in there and the following morning my account is over drawn. This is ridiculous that this bank continues to get away with this. They will hold charges until you get down to the minimum and then let the charge go through that is going to over draft your account even if that payment should of come out 2-3 days ago. I have called the Truist customer services after waiting 30 min and then upon lady coming on phone I told her what was going on and she put me back on hold for another 30 minutes. You cant get a hold of anyone in hirer power to straighten this out. There automotive messaging will send you an update on the funds in your account and if you don't go check it. When you call they act like the funds was not there when the withdrawal came out which is a lie. Because once it is processed it all drops down together and it will make you look like you have over overdrawn your account but the day that the charges come through it does not. This bank has got everyone fooled with there making up of there own rules and I am so sick of it, it is XXXX. Cant get CEO XXXX XXXX XXXX email and/or XXXX XXXX XXXX XXXX President for VA email and or a number he can be contacted at.
Product: Mortgage

Bayview is guilty of financial impropriety and borderline fraud by grossly understating my monthly income and greatly inflating the " value '' of my property for the purposes of foreclosing on my home. 

At issue is a modification request that Bayview denied ( letter attached ). In the letter Bayview understates my monthly income by {$5000.00} a month and over estimates the value of my home ( comps attached ) by almost {$200000.00} for the purposes of denying my modification request. This is fraud and unacceptable.
Product: Credit reporting

Dear Sir or Madam : I am writing to dispute the following information in my file. I pasted the dispute below. 
I am requesting that the item be removed or explained with evidence of an actual debt owed to correct the information. This debt of {$100.00} is not unknown to me but also seems unlikely as I have insurance for many years. Please provide the date of service and any information you may have as this debt seems erroneous. 
Please reinvestigate this matter and delete or provide evidence that the disputed item is valid as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company,XX/XX/XXXX XX/XX/XXXX has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action fromXX/XX/XXXXhas caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Mr. XXXX   requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, TransUnion again went silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX Account Number:XXXX have 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 an account without my written instructions
Product: Credit reporting

I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Equifax is not properly reporting the date the account was opened
Product: Credit card

Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.
Product: Checking or savings account

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm not sure why I am seeing multiple inaccuracies lsuch as having past due amount when you claim this as charge off. Can you please send me an updated report, otherwise DELETE this form my file!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXX SXXXX ', which is a revolving account, rather than XXXX XXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I refuse to accept any inaccuracy on my credit reports. I also need your help in deleting these fraud inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that were reported. I have made a list of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. Please review all of the documents and remove the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting and XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have a student loan consolidation in progress with XXXX. In the meantime General Revenue Corporation who handled my XXXX loan for XXXX, has begun to contact friends and family other than the XXXX references i put on the loan when i borrowed it, and they also call me several times a day. When the carrier adds this loan to my consolidation, it will close out, and I still have XXXX months to do so. I have informed both GRC and XXXX of this. XXXX is not giving me trouble. GRC is. I do not know how they are getting contact information for my friends and family.
Product: Debt collection

IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Mortgage

The address of my home is : XXXX XXXX XXXX XXXX, NY XXXX This is XXXX of the last letters we have sent to Wells Fargo. 

From XXXX XXXX through XXXX XXXX, we received XXXX short sale offers on our home, all to which were within 5 % of asking price yet they were all rejected by Wells Fargo. 
From XXXX XXXX, we received over a dozen calls from Wells Fargo asking us for the HUD statement. Each time we faxed it over and each time it continued to be lost. 
In XXXX, the home was broken into and all copper piping was stolen. Our insurance company sent Wells Fargo a check for over {$11000.00} which has subsequently been " lost ''. 
In XXXX, Wells Fargo advised us to record a " Deed in Lieu '' which was consequently rejected by WFHM. 
In XXXX, we were notified the home was going into Foreclosure despite all purchasers interest and effort on our part to sell it. 
Through XXXX to Present, we have received and continue to receive numerous notices from Wells Fargo " to save our home '' through mortgage modification. 
In XXXX, our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up, XXXX has also failed to deliver. 
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person, numerous emails, correcting mistakes Wells Fargo was making, the short sale was denied on XXXX XXXX, XXXX by Wells Fargo. 

The following resolutions need to occur before XXXX XXXX, XXXX : We will receive confirmation on the security and condition of the home. 
The house will be removed from Foreclosure and back into Short Sale status. 
We will be assign a Personal Coordinator that will be our SOLE contact person for all other communications and activity going forward. 
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer, again rejected by WF due to a " surplus of funds ''. That surplus this past summer was small. 
We just want resolution. We want our exemplary credit back. What we had before they systematically destroyed it. 
Thank you.