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

I entered into a repayment plan with Capital One as part of an agreement to bring the amount due to XXXX. 

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was 48 monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted Capital One and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted Capital One to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by Capital One. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from Capital One indicating successful receipt of payments. 

It's unfortunate and disappointing how Capital One went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with Capital One if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the dollar-for the impact a full repayment plan listed as charge off can impact your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately!. Ive attached a copy of the report to this request. 



Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove immediately!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 XXXX days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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: Credit card or prepaid card

Hi thank you for helping long story sorry. I bought a necklace thru XXXX which arrived different than the description. It came with three loose beads so I sent it back to XXXX and they said I damaged it and tried to send it back to me. Then I opened a case with PayPal credit company which is run by synchrony bank. They denied my dispute saying the seller refuse to give money back because he did not receive the item back. The item was with XXXX they tried to send it to me and they lost it in XXXX Later they found it XXXX and they ( XXXX ) had the item since. Now I dont have the item and my financial institution charged me back with the amount I purchased. Thank you so much
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. 

Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. 

After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. 

XXXX XXXX XXXX XXXX is not registered in CT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Product: Credit reporting

I am a XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX  balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The S

ettlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim.

Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means.

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First once a debt is in a bankruptcy and the credit report companies have already had it in bankruptcy XXXX  XXXX and with prestige financial in the creditors meeting with them saying we are no going to take the car from you after I told them they can come and get it whenever .... Can they just pull it out of the bankruptcy and charge me for XXXX XXXX? Even so I gave them the gap insurance stuff and ask for help to get a hold of them and for them to say, over phone, that they will not help me because she didn't want a headache of dealing with me. That's harassment I'm filing charges. It isn't my fault when I tryed to get them to help me with something they asked me to do for them because the car was on the bankruptcy after my vehicle got totaled it because of the car crash they the police said I will be waiting for a very long time before they can get to me. They said they have big fish to fry. The crash messed up my knee. They decided because they didn't want to help me that they will just go and charge me later before the filing was started .... I remember driving to the lawyer for the consultation in that vehicle and I think I may have a video from my dash cam going the with date and time. They are giving false info and false documents .... When the car company tells me I have to come back in and resign the car documents because of a mess up is very fishy. Prestige financial knew about the bankruptcy and that's why they wanted me to resend documents which I did not if I did I need some signatures. This is very wrong is not right just to contact my lawyer from the very beginning because now they got another harassment charge up on the last one as well.
Product: Credit card

" | noticed unauthorized inquiries on my report. Someone applied for something using my information. According to the FCRA, legally these unverified and unauthorized items must be removed immediately. 
All unauthorized inquiries listed : 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: Checking or savings account

I am the custodian of a business checking account for a small student organization at a public law school. The account is held with Wells Fargo, which is also my primary personal depository institution. Our organizations fund balance was XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Wells Fargo began charging a $ 10 monthly service charge to the account ; the description of fees provided on the statements claims the account must maintain a balance exceeding {$500.00} to avoid this fee. 

This fee had never been applied previously was not disclosed to the account custodian at the time. There were no changes in behavior from the organization from XXXX XX/XX/XXXX to present, no documents signed on or around XXXX XX/XX/XXXX when the fees were first applied, and no communication of any change to any agreement or contract on or around XXXX XX/XX/XXXX or otherwise. 

The issue went undetected until XXXX XX/XX/XXXX, due to infrequent use of the account for expenses by the organization, at which point {$80.00} had been drained from the account by service charges. The account has been with Wells Fargo since XXXX ; at no time, as best I can discern from the record, was this fee ever applied. I do not know, but doubt, that it was originally included in the contracts associated with opening the account. It appears to be a retroactive change in long-standing policy without any notice. 

The organization rightfully relies on the understanding that there are no maintenance fees and routinely maintains the account with less than {$500.00} dollars. Had we been notified of this fee or had it been addressed during a contract negotiation, we would have either changed our depository behavior or taken our business elsewhere.
Product: Student loan

I had a forbearance due to being on a XXXX leave from my job. The forbearance ended and I did not realize it. I received a pre-acceleration notice from ECSI on XX/XX/XXXX giving me 30 days to either pay or resubmit a request for a postponement or deference or cancelation. I promptly submitted another forbearance application as my XXXX leave had been extended. 

On XX/XX/XXXX ECSI sent me an email informing me that I needed to contact them by XX/XX/XXXX to pay past due interest from the first forbearance in order for my application to be processed and if I did not do so by that time my application would be denied and I would have to reapply. I reached out on XX/XX/XXXX to make the arrangements to pay the past due interest in order for my application to be processed. Instead of being able to do so, ECSI informed me that my loan was placed in collections on XX/XX/XXXX, even though I had submitted a forbearance application well within the 30 day time period to do so. 

I asked the chat representative XXXX how to fix this and was repeatedly told the XXXX XXXX XXXX owned my loan and could send it to collections whenever they wanted. She also could not tell me whether XXXX still owned my loan or had sold it to XXXX XXXX XXXX. She also refused to allow me to speak with a supervisor. She told me I would have to call the XXXX number but they probably wouldn't do anything for me either. She also refused to give me any contact information for the XXXX XXXX XXXX to contact them directly. I asked if there were any options for XXXX accommodations for communication other than phone and was told there were not. 

I have attached screenshots to demonstrate the dates and conversation.
Product: Credit reporting

my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally.
Product: Mortgage

I filed a complaint with CFPB in XX/XX/XXXX with hopes that I could stop a foreclosure sale on my home. I was previously under XXXX. XXXX bankruptcy but it was dismissed because I could no longer keep up with my plan payments. I also filed for a loan modification with PHH in XX/XX/XXXX. I phoned PHH and got an appointment with my relationship manager, XXXX XXXX. The foreclosure sale was halted and I consulted with a realtor to put my house on the market to sale it. I moved my items out of my home to have a few repairs done that my realtor suggested. Within a month of my home being on the market, I went to my house and I received a notice on my door from a company called XXXX XXXX XXXX. Apparently PHH hired them because my home was vacant. They had no way to confirm my home was vacant. I had a cash offer on my home but the offer was taken back after the notice from XXXX was put on my door and railings. The language on the letter stated I could not enter my home with calling XXXX. I filed a complaint through the XXXX  against XXXX XXXX XXXX. The company responded to the complaint stating they were hired by PHH to secure my home because of delinquency on my account ( see attachment ). On Wednesday XX/XX/XXXX XXXX XXXX XXXX broke into my home while I was not there and did something to my door locks. I plan to seek legal counsel for unlawful entry into my home. That is an illegal practice. PHH denied my loan modification and would not even allow to apply for a forbearance and I was not offered a repayment plan to help bring my account out of delinquent status. With all the government programs in place to help homeowners avoid foreclosure they have not helped me at all. PHH Mortgage is deceptive in their actions in helping me keep my home.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX XXXX XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX || Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax XXXX or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.