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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Form XXXX ( Cancellation of Debt ) Dear CAPITAL ONE, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$1300.00} and was XXXX on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm expressing my disappointment in the lack of thoroughness in verifying the accounts listed below. 
XXXX XXXX ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) Upon comparing my credit reports from various consumer consulting agencies, I found discrepancies between TransUnion report from other credit bureaus, raising concerns about the accuracy of their information. 

Specifically, the account associated with XXXX  XXXX ( Account # : XXXX ) has been verified as incorrect and incomplete by XXXX XXXX leading to its deletion from their records. I urge TransUnion to align their records with XXXX, as they all reference information from the same creditor or furnisher.
Product: Payday loan, title loan, personal loan, or advance loan

Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill due in XX/XX/2019 for XXXX or XXXX dollars paid that and was reported 30 days late by Avid acceptance.
Product: Payday loan, title loan, or personal loan

I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

I contacted XXXX XXXX  on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.
Product: Credit reporting or other personal consumer reports

XXXX. TransUnion, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX  confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. TransUnion, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information reported by XXXX XXXX # XXXX to Transunion on my credit file which i believe is in violation of Fair Reporting Act ( FCRA ), specifically under 15U.S.C 1681 ( a ) ( 4 ) ( right to privacy ), 15U.S.C 1681c-2 ( failure to block identity theft information ), and 18 U.S.C. 1028A ( criminal identity theft ).
Product: Debt collection

The company alter court documents for a civil case so I the debtor would miss the correct court date and the judgment would be in their favor because I was a no show to court.
Product: Money transfer, virtual currency, or money service

last month i went on line to my paypal account to make a payment to find my credit limit had been lowered by almost XXXX I contacted the company and they gave a multitude of reasons all were lies, they cited my house loan that I've had since 2012 nd never late, they cited my credit cards none of which were late, they cited my credit rating, my rating was over 625 until they lowered my limit coting me 16 points, they cited my work? of which i have been employed for 3 years and covid, i told them my employer is an esential business and there are no problems. they refused to listen or even let me talk to a manager. I would like my credit limit restored to the XXXX limit
Product: Credit reporting or other personal consumer reports

The law that governs credit reporting and disputes is the Fair Credit Reporting Act ( FCRA ), which is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Under the FCRA, when you file a dispute about an incorrect item on your credit report, the credit bureaus are required to : XXXX. Investigate the dispute : They must investigate your claim, typically within 30 days. 
XXXX. Provide a resolution : If they find the reported late payment is inaccurate or unverifiable, they must remove it. 
XXXX. Notify you of the results : Once the investigation is complete, they must provide you with the findings and update your credit report accordingly. 

The creditor ( or data furnisher ) is also obligated to ensure that the information they report to the credit bureaus is accurate. If they can not verify the late payment during the investigation, the credit bureaus must remove it. 

If the dispute isnt resolved in your favor, you can also ask for a statement of the dispute to be added to your credit report or appeal the decision with the credit bureau. 

The Account ( XXXX XXXX XXXX XXXXXXXX was opened an XX/XX/XXXX an reported a over drawn an immediately ask for the account to be removed XX/XX/XXXX multiple times an it was closed for me to make payments on it an reported late for last XXXX  months of it being closed thats reporting late payments violating my credit rights it should stop reporting after the account has been charged which was this a false information. An inaccurate information that violated. My rights several times an. I request more them XXXX  days. Nothing was removed an I continue to still have my rights violated by By XXXX XXXX XXXX as of today XX/XX/XXXX
Product: Student loan

I keep getting denied for my school misconduct application even though I was initial told I qualified. I provided all of the evidence to support my claim in prior complaints and detailed attachments, in writing as to all of the hardships caused by the School 's misconduct. Under the HOLDER RULE, I qualify to be discharged. I sent additional paperwork essays and tangible job application proof to my advocate advisor for Navient, and I am not 100 % sure they received or reviewed the paperwork. 

I sent additional information and financial hardships that I have gone through and continue to go through that validates my private loan discharge. 

I have provided proof of prior bankruptcies, home foreclosure papers, and other financial hardships due to my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted Experian about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXXXXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all they never send the original lease ( which is endorsed with ink ) because we all know that the original contract is endorsed with ink. Second you are a third party debt collector who shouldnt even be contacting a consumer about any matter. Which is against the law are u above the law. XXXX XXXX at XXXX XXXX as well as you who is a Third Party Debt collector have went in contract using my information is identity theft because you guys never got my consent to give anyone my information or to contact me. Those signatures are also forged.
Product: Mortgage

Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, Experian, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account # XXXX is inaccurate in all credit bureaus XXXX, XXXX and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15U.S.C 1681 section 602A States I have the right to privacy.

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.
Product: Debt collection

Victim of Id theft and Fraud. Consumer report continues to be damaged for a debt being reported by Capital one. Sent out Disputes to Cap one with no response.
Product: Debt collection

i the consumer sent Midland credit management a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with midland credit management i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.
Product: Mortgage

NewRez is the holder of my mortgage. They simply will not answer phone calls, return phone calls, or return emails. Trying to contact them about Covid-19 relief has been impossible for over 2 weeks now.
Product: Student loan

I have been making payments each month through the companies " XXXX '' However each month I am getting a notice saying my payment is late. I pay before my bill date and always get a receipt. On top of that this company is not applying the extra I am paying toward the principal, but instead putting it all toward interest. At the beginning they were, now they are not. The paper bill and the online system never have the same figures on it. I am tired of this. It took me may months just to get a paper bill from them, now that I have it, my payments are not being applied correctly nor is the principal shrinking.
Product: Student loan

I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Total Bank Card XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged. 

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.
Product: Mortgage

A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.
Product: Checking or savings account

Previously filed a complaint about access being blocked by capital one and received a response back from capital one and you closed the complaint. The matter has not been resolved and I am more than happy to provide an actual screenshot or access to my account to the bureau for validation of the continued blocking of my account. This is insulting and a bait and switch ploy. After following the instructions given by XXXX XXXX on behalf of capital one, I land on a page stating, in bold letters that my account is BLOCKED from allowing any access to 3rd parties. I have lost money and continue to lose money from this and this is why I continue to not be able to fund my accounts or transfer funds.
Product: Credit reporting or other personal consumer reports

Hello, I trust this communication finds you well. I have been attempting to establish contact with your TDRCS/XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Debt collection

AE ( aka Synchrony Bank ) has called my phone 6 times today in an attempt to collect on a past due balance on my card of {$95.00}. They called at XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX XXXX XXXXXXXX