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

To whom it may concern, I contacted Experian, and spoke with a representative on XXXX/XXXX/XXXX, regarding some disputes that I had. I did have some personal information updated. I also wanted to dispute the following inquiries : XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, AND XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  ON XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Due to the XXXX XXXX XXXX I obtained a copy of my credit file, I was concerned about my report and history. I reviewed a copy of my report, which showed several inquiries that were not factual, and that I had no knowledge of. The representative informed me that I was unable to dispute any inquiries on my file. However, According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed, and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that the agent refused to allow me to dispute these inquiries on my credit report, I assume that there was, nor will be any investigation into the matter. I plan to purchase a home near the beginning of the year, and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original despite for hard inquiries that do not belong to me. I did not sign any document allowing these inquiries. I feel this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, XXXX, EXP ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call XXXX. 

Around XX/XX/XXXX I spoke with a XXXX account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe XXXX didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX credit theyre handling for me. I asked her to take a payment on my XXXX account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with XXXX. When I spoke with XXXX rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a subscription for the product " XXXX '' via XXXX, XXXX ( Vendor ). When making this initial purchase, I used an employer email address to which I no longer have access. 

On XX/XX/XXXX, XXXX, XXXX charged my credit card for another year of service. As I no longer worked at my employer, I was unable to consent or redact my consent for this charge from XXXX XXXX. 

On XX/XX/XXXX Upon noticing the charge, I contacted XXXX XXXX via phone ; at ( XXXX ) XXXX who advised that though they could not find my account via email address, they could find it via the last four digits of the billed credit card. ( XXXX ). They advised at that time they would issue a refund. 

On XX/XX/XXXX no refund was assigned to the account and as such I began a dispute resolution process with my credit card provider, Discover Bank. The dispute was resolved in my favor on XX/XX/XXXX and a credit issued to my card. 

On XX/XX/XXXX Discover Bank reversed their decision, and abruptly charged my credit card for the initial amount without notice, and without any indication as to why Discover Bank changed its resolution decision even though Discover Bank previously rightly determined this charge clearly falls within their Dispute Resolution guidelines. Worse, the re-posted charge to my account had its post-date retroactively applied making the transaction difficult to track as clearly occuring on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Systems Address : XXXX XXXX XXXX XXXX GA XXXX Account number : XXXX Your Name : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Dear National Credit Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 





Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 




Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

account name : XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Pentagon Fcu-XXXX to pull my credit on XXXX XXXX XXXX I did not authorize XXXX to Pull my credit. I clicked on an Add XX/XX/
Product: Vehicle loan or lease

my husband paid {$220.00} on XX/XX/XXXX Westlake financial services he had to pay via XXXX because they said their XXXX  system was down. The payment did not post and they showed up at XXXX oclock in the morning the following day XXXX XXXXand repossessed our vehicle, they took the vehicle XXXX miles from our home and we were forced to pay $ XXXX top of the XXXX not including the XXXX dollars in gas for both vehicles to get where we need to go to bring the vehicle back because they wrongfully repossessed our car and it was even admitted by XXXX different supervisors. They also told us that if we paid the amount immediately that we were able to go down and get the vehicle, but they would not give us the details of where the vehicle is being held until we paid that amount we had to wait XXXX days to get the vehicle after that which we were intern, charged interest and fees for As well. we were also told if we paid the amount almost amounting to {$1000.00} that everything was caught up and no further issues what happened and they credited our account and then took the credit back now they are reporting to the credit agency that our payment is 32 days late, which is severely incorrect and I want something done about this company on our way to pick up the vehicles. I looked up the remarks on the XXXX XXXX XXXX in there are XXXX complaints for the same issue. I have also filed a report with the state attorney generals office whom I spoke with XXXX and he also told me that there are thousands and thousands of complaints with regards to Westlake financial services. They need to be shut down if I have to hire an attorney and file a class action lawsuit and a personal lawsuit to get my money back for their unlawful acts I will. This is not OK and something needs to be done about it as being without my car, put my son who is XXXX  health at risk amongst putting us in a financial hardship, which we should not have been put in
Product: Mortgage

They hit me with overdraft fees cause of regulations on daily spending limits. went there in person on  three  occasions to have fee removed they would n't remove it. I tried to close the account they would n't because I had a balance and my auto pay for my mortgage through the same bank. This occurred in  XXXX   XXXX  almost a year later this issue is still not resolved they ruined my credit. Now after a little research I find that they set up fake accounts,   XXXX   XXXX   XXXX   XXXX   XXXX  , and defrauded fha and payed  XXXX   XXXX  in fines to  justice  department to make it go away? How is this company still in business and no one went to jail?   So now I 'm stuck with bad credit and issue is still unresolved? So this institution does n't follow the laws and stays out of jail? But they want there customers to follow there regulations when they do n't follow any. Wondering what to do? I 'm disgusted with trying to resolve this? I 'm not sending them any more of my hard earned dollars cause of my dissatisfaction with there customer service. So now I ca n't purchase a home nor refinance and I 'm gon na end up in foreclosure.  XXXX   XXXX  is the contact from  Wells Fargo a nd resolved nothing since  XXXX   XXXX . Can you help me keep my home and get  my credit score bac k up?
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by Nationstar Mortgage that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ XXXX. 
Clearly ... this appears to be another retaliation from Nationstar due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
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, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18 synchrony bank called me to remind me of a payment I immediately get them my debit card number for {$190.00}. Payment was taken from my account. They can't find it. They have been calling daily wanting me to send it. My bank XXXX and I have fax them several times proving how, and when they withdrew the monies. We just do not know what we can do to resolve it. They are not cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX who confirmed to me that I only have three loans with them, not 4. But my credit report has 4 listed. I have loans for $ XXXX $ XXXX {$600.00}. The loan for {$2200.00} should not be on my credit report. I am trying to keep up a good credit rating and am angry that no one will get this corrected for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$810.00} accounts which does not belong to me. So I am writing to exercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Product: Debt collection

I was contacted by mail from a debt collection company concerning a debt that I owed for Vehicle insurance. I had canceled my service with XXXX XXXX, and I notified XXXX in writing that I had moved on to another company. I contacted the debt company to ask what is this fee of {$260.00}. I was told that it was from XXXX XXXX. I asked them what month was the fee due. I was told XX/XX/2021. I sent them proof of payment. They continued to write me stating that I still owe the {$260.00}. I called once again and asked if they had received the proof of payment that I sent them. They continued to sent me letters stating that I owed the Debt. I contacted them again and I was told that it was for going past the due date in XXXX. Due date was XX/XX/2021. After still getting a bill from XXXX, I contacted them via email on XX/XX/2021 telling them that I let the policy cancel because I had another insurance company. XXXX XXXX ( my new company ) informed me that I did not need to contact XXXX, they would do it for me. Somehow they did not inform XXXX according to the XXXX agent. She asked me for proof and I contacted XXXX XXXX to verify my proof of coverage. A couple of days after my last conversation with the Debt Collector, I had received a notice that I had a debt collection added to my credit report. I again called the Debt collector to try and get it removed because I did not feel that I owed it. After an extended conversation with the agent and the manager, they were very rude and did not want to hear anything I had to say about the matter. Again I contacted XXXX and told them that I would pay them the money but I did not want to deal with that Debt Collection company again. I was told that they could not help me and I would have to take it up with the Debt Collector. Months later I received a text message from the Debt collector to call them. I called and they told me that I could settle this debt for {$180.00}. I tried to negotiate it to {$150.00} but they would not take it. At this point, I just wanted it settled whether I owed it or not. I asked if I paid the {$180.00} would it be removed from my credit report. They told me no. I asked if I paid the entire {$260.00} would it be removed from my credit report. Again, they told me no. I told them the only reason I would pay it is to have it removed. End of conversation. I went back into all of the emails that I had communicated with XXXX. I was told in the initial response that I did not need to provide proof of insurance with another carrier and they could back date 30 days. Anything beyond 30 days would have to have proof of insurance. I have copies of all the emails that I sent to XXXX and their response. This has been a very frustrating situation and I have tried to resolve it several times with no luck. The name of the debt collection company is Credit Control Services , Inc. dba Credit Collection Services.