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

on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failing to deposit my direct deposit from my employer. Capital one has citied technical issues XXXX XXXX and its now XXXX XXXX and they have no time line when my money will be available. Capital one is in violation of the Electronic Funds Transfer Act, as it requires timely access to funds. This arises concerns about consumer protection laws, I request your assistance to investigate this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Mortgage

I am trying to pay my mortgage payment bi weekly through the mortgage company, but they do not offer it because then they lose out on interest. So I pay bi weekly through my checking account bill pay on the XXXX and XXXX of every month. They will not apply that amount to the balance due unless I call. I get an email on the XXXX of the month stating my mortgage payment has not been paid because they refuse to apply my bi weekly payments to the due amount.
Product: Vehicle loan or lease

I was billed {$19000.00} for being past due {$1800.00} on my BMW lease. 

The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price. 

Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs. 

-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan. 

-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place. 

In my case, I could not exercise any of my rights.
Product: Mortgage

I have contacted Shellpoint Mortgage for over a month attempting to remove my taxes and insurance from my monthly payment. They have responded with nothing to do with removing my taxes and insurance from my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX, I alerted citibank that XXXX unauthorized amounts were withdrawn from my bank account : {$430.00} for XXXX {$70.00} for XXXX {$10.00} for XXXX I DID not authorize these amounts and they are not my charges. 

Citibank informed me that it would take 10 days to receive a credit, then they changed their story to I need to " wait for a letter ''. I never received any letters. I spoke to someone again on XX/XX/XXXX and they told me on XX/XX/XXXX to reach out and if no letters arrived, I would be given a provisional credit of my money. 

Today, XX/XX/XXXX, I called them back and they said that the claim had been closed, the bank determined none of my money was taken, and that I wont be receiving a credit. 

I am missing {$510.00} from my Citibank debit account at this moment. I don't know why they are claiming that it wasn't taken from my account when I have told them these charges were not mine, but this is where we are.
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I XXXX XXXX, consumer, natural person and original creditor of an open end credit plan was requested to put {$200.00} down deposit to have access to my credit for a credit card by CapitalOne. I was notified of this transgression of my rights, specifically 15 USC 1637 ( a ) ( 2 ) ( 8 ) 15 USC 1601- The TRUTH IN LENDING ACT, On XX/XX/year> by via U.S. mail. According to 15 USC 1602 definitions of The TRUTH IN LENDING, I as a natural person processing an open end credit plan was harmed by CapitalOne, adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2a ) ( 3 ) are up to {$5000.00} CapitalOne is now civily liable to pay me for the damages.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> 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/year> Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX  XXXX XXXX, XXXX, GA, XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Vehicle loan or lease

BMW Financial has on my credit reports with all 3 Credit Bureaus Paid as agrred ) XXXX per month for 62 months I did not make payments no 62 months to BMW Financial The car was paid off in 1 year and half not 62 months as to late payment showed and errors in BMW reporting information. 

XXXX  there was a call to BMW to delay A payment during covid due to my account was hack and was told that it would be no problem on the call. 

Rep did not provide no confirmation number all she said it be no problem due to the proble, By XXXX credit report Info is wrong submitted by BMW Financial paid monthly for 62 payments the car was paid off in 1 year in half not 62 moths as showing on my credit report for XXXX XXXX. 

BMW Financial Services has incorrect info on all 3 credit reports as to pay off and not no 62 months was the car paid on 1 year and half and paid off BMW F Services has a reporting error on all 3 credit information not accurate by there reporting as showing loan paid off in the months of 1 year and half not 62 months. 

It appears BMW got mad when paying them off early of the car 1 year and half.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit report act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Experian.

Child support enforcement agency. 
Account number XXXX. 
I have looked at my credit report on XXXX 2024 and have noticed some things are incomplete and inaccurate, and according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning said individuals about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681i5, they are supposed to do this treatment of inaccurate or unverifiable information.

In general if after any investigations under paragraph one of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) probably delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation. 
( ii ) They shall promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance to 15 USC 1681 5-2 you are not supposed to 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. 
In conclusion I will be seeking litigation for defamation of character against your agency for multiple violations of the fair credit report, if these incorrect damaging reports aren't deleted from my credit report immediately.
Product: Debt collection

XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX  was transferred to the FRAUDULENT account, which messed up my XXXX  account and will cause XXXX  to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
Product: Payday loan, title loan, personal loan, or advance loan

They called me and misled me on the terms conditions and it over all their general customer service. When it comes to the lending, I would not assign thats interest principal on a car thats that old, and not worth the value of what I wouldve been paying back in such a short amount of time, they lied about the fact of the loan facts of my financial situation to give me the loan theyre very well aware that I was homeless my camper and just purchased a truck with a {$900.00} car payment my car the first time they created a piece and I told him that they were not welcome to possess my car and that doesnt mean the gentleman came back again that morning the police told him to repossess the car with me in it The executive office at OneMain that the signatures are clearly forged, and that I did not sign the terms of the contract that they have on hand that I presented with lower terms and told it in a financial hardship that they work with me. The time stamp has the contract signed and completed in less than XXXX minutes. I can even read the first page that fast. They are very secretive with everything they do not puttin anything in writing, and play nice like they are friends helping you to just XXXX XXXX I feel so mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm writing in reference to the following accounts. That is on my credit record, and it is having a significant impact on me. I am the victim of identity theft, and my information was hacked, which is why these accounts appear on my credit report. These accounts are harming me much because they are not mine, and I should not be held liable or accountable for something that was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to have the information removed as it is inaccurate. It has not been removed with in a 30-day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, there are several accounts listed that are in violation of various laws and regulations, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  Charge Off Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX Collection Account I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent letters to transunion on XX/XX/XXXX XXXX to validate XXXX XXXX. I asked for a validation of debt owned and got no response within 30 days transunion stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Debt collection

I was a utility customer with XXXX XXXX XXXX in Pennsylvania. XXXX contracts with LJ Ross for asset management and collection. I was referred to LJ Ross for an amount owed when changing addresses, without notice and/or the chance to dispute the amount. Amount was never verified before showing on my credit report. XXXX as original creditor would not communicate with me, so I was forced to negotiate with LJ Ross to settle for removal of the account for an amount. I paid the settlement amount, but the account was not removed, only updated to a paid, open account and re-aged. I recently discovered that LJ Ross never communicated to XXXX the settlement amount and was recently contacted by XXXX this fall that I owed a balance on the unpaid disputed amount. I contacted XXXX to inquire about the account and for verification, and they told me they would investigate. I received a second letter informing them that I owed an additional balance from my prior address that would be tacked on to my current address bill, and when I contacted them to ask about the result of the investigation, they told me to contact LJ ROSS for proof of settlement. I contacted LJ ROSS whom mailed me the proof of settlement in full, but not the date of the agreement or the information related to terms of settlement that involved deletion of the incorrect account from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries on my account by XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called XXXX to dispute the inquiry and request a letter of deletion under the direction of XXXX, XXXX stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.
Product: Debt collection

I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8. 

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!