23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Introduction Im writing this letter regarding an account on my credit report that I desperately need to get resolved. Im looking to either have this account fully removed or updated according to factual data. To date, I have been unable to completely resolve this situation. This situation has the attention of the Federal Government and I only have a short period time to resolve. 

Situation On XX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. This purchase for the sole purpose of a commuter car to save money on gas. The original purchase price of the car was XXXX and paid a monthly note of XXXX. My car note was paid every month on time and was never ever late. After 7  months of on time payments, I was involved in a rear end collision ( no fault of my own ) which totaled the vehicle and sent me to the hospital with all types of XXXX and XXXX bills to pay in the future. The accident was considered a non-contest and the drive of the other vehicle was cited and his insurance company was required to pay all my medical bills and time off work. My insurance company totaled the vehicle and paid Car Credit Finance arpx 2,800.00 due to the blue book value of the car. I did not have gap insurance therefore I was left with a difference/balance on the vehicle. Within a matter of days, Car Credit Finance reported my account to the credit bureau and a repossession. Since the vehicle was reported as a repossession, I was not allowed to make payments toward the account. What I did not understand is how can my vehicle be repoed and Ive never ever been late on a payment. I tried to resolve this situation several times with Car Credit Finance. I even agreed to a payment plan with Car Credit Finance. The company accepted my 250 payment however, to date the account balance still remains the same. I grew tired to trying to deal with the finance company and decided to resolve this situation through the credit bureau. I decided to dispute the account with XXXX XXXX and XXXX. Once I disputed the account, Car Credit Finance was forced to change the status of my account from repossession to Late/Charge-off/Seriously past due. This status is still incorrect. This account would have been paid off if I were allowed to continue to make on time payments. My frustration currently is the account is still being reported incorrectly. I was never late on this account and my status should reflect accurate data. At this point, all I want to do is clear my good name and regain my credit worthiness the honest way. This is an injustice and just another example of how these big finance companies prey on the day to day hard working citizen. 



Closing : Please let me know what my next steps are to resolve this situation. My charter has been assassinated and my ability to get credit has been severely impacted due to negligence on Car Credit Finance part. I would like to expose this type of scammer to help other hard-working citizens in America.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Debt collection

I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " 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. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including transunion, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Product: Credit reporting or other personal consumer reports

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 To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines. 

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau. 
AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Union stated I opened an account with them on XX/XX/2017XXXX i never opened an account with XXXX XXXX Credit Union on XX/XX/2017. I have asked this company to provide signed application, copy of Driver 's license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX Credit Union is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX  is not following The Fair Credit Reporting Act and I want something done about this!!
Product: Debt collection

This is a debt that is not mine, I've never had XXXX. I have a government phone, and have for three years. I sent this complaint and you made XXXX take this off my credit report because this debt is NOT mine. So, they sent it to another collection agency and they put back on my credit report.!!! They are trying to go around your order to them the first time that this debt is NOT mine. They are harassing me now, this has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hi CFPB, I applied for the California Mortgage XXXX XXXX ( the CA arm of the XXXX XXXX  XXXX created in the XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. 

To receive relief funds, the program requires my mortgage servicer, CMG Mortgage, to email XXXX to join the program. 

After XXXX calls, XXXX online messages, and a fax, CMG has consistently refused to send this one email on my behalf to join the state program. I just got off a one hour call with CMG, where the loss mitigation representative refused to transfer me to a supervisor and advised that I simply give up. 

I also called the California Mortgage XXXX XXXX XXXX, who told me that there's nothing they can do if my servicer refuses to join the program. 

So CMG and the CA Mortgage Relief program have both told me that they won't reach out to the other party to add CMG to the program. The result is that I can not access the $ XXXX of relief funding that I believe I would qualify for if my servicer joined the program. 

Now that I've hit a wall, I'm reaching out to the CFPB to see if you might be able to help me convince my Mortgage servicer to participate in the program and/or access the California Mortgage XXXX funding. 

Your help is sincerely appreciated. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/XXXX 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX- shows 2 different balances XXXX XXXX 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

On XX/XX/year> I deposited 5 checks into an ATM with the assistance of the bank staff. The ATM accepted my checks. All of the checks were valid and none of them were duplicates or copies. About two weeks later I checked the account and found that three of the checks were deemed " invalid ''. I believe it's Bank of America 's hyper sensitive fraud detection settings that caused this and deemed them duplicates. Three of my checks were for {$5000.00} and two checks were for {$8200.00}. The ATM accepted one check of each dollar amount {$8200.00} and {$5000.00} and the rest it rejected as invalid. The check numbers and dates are all different. They are multiple months of rent checks I receive from two entities. I could not deposit those checks earlier because Bank of America would not let me mobile deposit them. I had to wait for an ATM card. They say a new account there are too low limits on mobile deposit to deposit them. The mobile deposit rejected them as I was at the XXXX limit. I called Bank of America and they said I would not get the actual checks back. I would get some type of certified copy of the checks and I could go to a branch and redeposit them. I waited for several weeks. I got the actual checks back in the mail. However, only two of the checks were the checks that had been rejected. One of the checks was the check that they had already credited. They made an error. I went back into the branch and the branch manager apologized and said they have to resend me the certified copy of the correct check. This was almost a month ago. I still have not yet received that copy or that check. I am out that money and Bank of America doesn't care. They have no way to get that to me except to say it was ordered. At this point I am out {$8200.00} and like I said Bank of America has no option for me to get my check or my money. They refuse to just give me a copy of the check even though it shows in my account history or credit me. I forgot to mention, when I took the three actual checks into the branch. The manager called someone at Bank of America and had them credit two of the checks for {$5000.00} each = {$10000.00}. The next day the same thing happened and Bank of America 's hyper sensitive fraud team blocked the check AGAIN!!!! I had to drive again back to the bank and the manager had to take the hold/block off the check again and reprimand the people who are in charge of reviewing fraud holds as they blocked even her deposit. This is bank fraud. They benefit by earning interest on the monies as they claim it's merely for " my '' protection. I'm sure they are flagging millions of dollars of money that is valid and in some way shape or form earning interest on it or trading it.
Product: Debt collection

I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.
Product: Checking or savings account

Please see attached letter, which explains in detail the situation. In summary, Banco Popular is assessing outrageously high and inappropriate fees for me to access historical records of my account, that should be provided without cost.