23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX Experian Account # XXXX To Whom It May Concern, I am writing to dispute the repossession on my account with the creditor reporting on my credit report. I respectfully request that you re-investigate this matter and provide me with a detailed explanation of the circumstances leading to the repossession. XXXX XXXX XXXX XXXX Violated the following XXXX. The right to due process. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Failures to notify me before they sold the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX. BREACH THE PEACE! XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Truth and Lender Act Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and requires advertisements to include certain disclosures. Furthermore, I request that you cease all collection activities and reporting inaccurate on this account until the dispute is resolved. I am aware of my rights under the 15 U.S. Code 1692j and 15 U.S. Code 1681 about the accuracy and fairness of credit reporting. I expect that my rights will be fully respected throughout this process. Section 623 ( a ) of the FCRA also requires creditors to promptly notify you if I determine that the previously furnished information is not complete or accurate. Please provide a written response to this dispute within 30 days of receipt of this letter. If you are unable to resolve this matter to my satisfaction, I may have no choice but to seek legal advice. Thank you for your prompt attention to this matter. I look forward to receiving your response and working towards a resolution. Thanks you
Product: Debt collection

A neighbor from a few houses down or the server probably dropped off my paperwork stating I was sued. I opened the door and found paperwork. The packet looks incomplete. Did someone take my personal information? They put my personal information at risk by doing that. No one served me with papers or handed me something. 

Was that a scare tactic? Did the person share more information with whomever received the paperwork? Did that person find out and tried to return the paperwork? How come I find these important documents on the floor of my door. 

The Fair Debt Collection Practices Act ( FDCPA ) forbids third-party debt collectorsfrom engaging in fraudulent and deceptive behavior. They also cant harass you by : Making early-morning or late-night calls Telling family, friends, or others about your debt. Who did they tell? I have no friends and family here in this town. 


Capital one and some law firm is suing me and I found out by opening the door to my house and finding this packet with a missing page. I called the company and all they said was sorry but its your word against theirs. I filed a complaint but we are interested in payment. So you want to talk to someone about your payment options?

Im scared, this is what I find first thing and no one cares. I was a member for Capital one for a long time and was never late except when I had the XXXXXXXX XXXX XXXX XXXX XXXX. I called to tell them but they didnt care as all they worry about is money. Proving it again with this new tactic.
Product: Credit reporting or other personal consumer reports

navy federal XXXX also XXXX XXXX XX/XX/2022 oXXXX XXXX  i did not apply for anything on these dates.
Product: Debt collection

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and tried to get loans and credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years, I've experienced issues obtaining my free annual credit report from Equifax Information Services LLC. I've only been able to obtain my annual free credit reports from XXXX and XXXX but not Equifax. 

Early XX/XX/2021, I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. It was delivered by USPS via Certified Letter on the date of XX/XX/2021. XX/XX/2021, Equifax responded to my request by sending me a letter requesting more information for identity verification purposes. On XX/XX/2021, I mailed the requested identity verification information to Equifax, my response was delivered by USPS via Certified Letter on XX/XX/2021. 

As of XX/XX/2021, I have yet to receive my requested free annual credit report from Equifax. This is my complaint.
Product: Debt collection

I REPEATEDLY SENT DISPUTE LETTERS REGARDING THIS AUTO ACCOUNT AND NO RESPOND.
Product: Credit reporting or other personal consumer reports

Noticed the open credit card from Citibank on my credit report that I did not sign up for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX - Is a fraudulent inquiry on my report need to be removed XXXX - XXXX XXXX is another fraudulent inquiry I don't recognize and it ran my report 3plus times which is insane please removed asap my Information was recently in the dark web please removed. 
XXXX XXXX XXXX XXXX  is fraudulent I don't recognize as well please removed.
Product: Debt collection

Comenity bank calls me at least 7 times a day from all different numbers and even blocked numbers they do no stop harassing me. All because I didnt pay my full amount due on of the cards. Its not even a month passed due.
Product: Student loan

I have made XXXX payments on my student loan. None of these has been applied in a timely manner. None were applied to my loan at first and it has required multiple calls each week as well as screenshots of the money leaving my bank account to get Mohela to apply the money at all. 
They refuse to back-date my payments to reflect the amount of interest I should not have accrued would they have applied the money I sent to my loan in a timely manner. 
Today I spoke to a supervisor, XXXX, about my XXXX  payment made that still has not been applied to my loan amount despite being received my Mohela weeks ago. She indicated it is reasonable to expect months of waiting before that money will be posted. When I requested a reference number for the service ticket request and escalation request, she refused. She refused to give me any callback number other than the general line which takes me XXXX hours to finally get off hold with. 
I'm trying to repay my loans and starting a new job to help me do so which will not allow me to spend multiple weekdays on hold begging for money that I paid through the webportal as recommended to be applied toward my only loan. This feels so predatory.
Product: Mortgage

In the process of determining the LTV for loss mitigation options an additional {$21000.00} was added labeled as advanced capitalization. The advanced capitalization were from from pandemic forbearance received in XXXX  foreclosure fees which should not of been in the process of. and is part of the loan amount still owed. Causing denial of loss mitigation due to LTV ratio
Product: Student loan

I wanted to consolidate my XXXX loan to a direct loan program, and apply for the XXXX program. My spouse and I both have worked for an employer XXXX XXXX XXXX XXXX XXXX. I have worked for the XXXX for almost 26 years and spouse for over 20 years. I submitted the consolidation application, after being told by Navient and XXXX XXXX that I was eligible. Approximately two weeks after applying I received notification that I was denied. The reason given was I had the wrong loan type. My complaint is that I was coerced into consolidating my loans with my spouses loans into a loan type that could not be reconsolidated. If I had known this I would have never consolidated the loans in the first place.
Product: Mortgage

I refinanced my property in XX/XX/XXXX and SLS was the new mortgage company that my payment was supposed to be made to. My first payment to SLS was supposed to begin Sunday XX/XX/XXXX. I attempted to make my payment online but I was having difficulty with my account. I had to wait till XX/XX/XXXX to make my payment as XX/XX/XXXX was an observed holiday and the company was closed. I called the company and the representative on the phone assisted with processing my XXXX payment. My payment information was Confirmation number : XXXX Effective date : XX/XX/XXXX at XXXX Payment Amount :  {$3300.00}. 

On XX/XX/XXXX, I received a call from SLS that my XXXX Payment was due even though I had a 15 day grace period. I informed the rep on the phone that I had made my payment but he stated that it was not showing on this record. It was then that I was informed that the payment was applied to an incorrect account. I was informed that this error will be corrected by XX/XX/XXXX. 
On XX/XX/XXXX, I called and the rep stated that they did not know how to address this even though they could see the payment in their system. This new rep stated that it could take 7-10 business days to correct this error and to call back on XX/XX/XXXX. 

I called back on XX/XX/XXXX as my payment that I made online for XXXX was applied as my XXXX payment. The rep I spoke with stated that to call back in another 5 days that this would be fixed. 

I called on XX/XX/XXXX and this had not been corrected. In the main time, I have been receiving calls from SLS stating that I am late on my payment. In addition, they have been spending me mail that my account is passed due. 

I called back on XX/XX/XXXX and requested to talk to a supervisor but I was informed that the supervisor was too busy to come to the phone and the rep on the call will attempt to help. Nothing was corrected during this phone call. 

I called on XX/XX/XXXX as I am concerned that with this not corrected, it was going to be reported to the credit bureaus. I was able to talk with a supervisor who stated that he will put in the computer a note not to call my phone for past du payments or receive delinquent mail at home. As of XX/XX/XXXX, this has not been corrected. I have contacted my attorney and she advised to notify the CFPD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked and alarmed when I received my credit report. 

Creditor : WELLS FARGO MORTGAGE ACCOUNT # XXXX I was never late 30,60,90 days on the date (XX/XX/XXXX) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against CarMax regarding their refusal to honor my opt-out request dated XX/XX/year>, in accordance with 15 USC 6802. 

On XX/XX/year>, I submitted a written opt-out request to CarMax, XXXX requesting that they cease sharing my nonpublic personal information with third parties & the consumer reporting agencies ; XXXX XXXX XXXX XXXX XXXX is my right under the provisions of 15 USC 6802. However, despite the clear and unambiguous nature of my request, CarMax has failed to comply with it. 

Despite my repeated attempts to follow up with CarMax regarding the status of my opt-out request, they have provided no indication that any action has been taken to honor my request. This non-compliance not only violates my rights under federal law but also undermines my ability to control the dissemination of my personal information. 

I have made diligent efforts to resolve this matter directly with CarMax, but their lack of responsiveness and disregard for my rights necessitates intervention from an appropriate regulatory authority. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that CarMax complies with federal law and promptly honors my opt-out request. 

Enclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax. 

I appreciate your attention to this matter and respectfully request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure CarMax 's compliance with the law. 

Thank you for your prompt attention to this important issue.
Product: Credit reporting

So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX
Product: Credit card or prepaid card

NCA - National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX the account was removed my credit report and then re-added a couple of weeks later. 
My understanding is that this is a process known as " re-aging '' and is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is showing one late payment on my account for XX/XX/XXXX but I closed account in XX/XX/XXXX, which was paid in full also. Well Fargo account was open since XX/XX/XXXX and was always in good standing. I currently have another Wells Fargo credit card since XX/XX/XXXX, that has always been in good standing also, but is considering closing this account due to improper damage to my credit history because of the late payment reporting on the previous card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX XXXX  was sold to another company more than a year ago. On XX/XX/2022 I emailed XXXX and asked them to update my credit report to show that the mortgage was closed. It's been almost 3 months without a reply from them and the mortgage accountstill appears opne on my credit report.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with Experian on multiple bills that were on my credit report. None of them were resolved. I am requesting immediate corrective action to remove or amend the disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.
Product: Consumer Loan

recieved my bill for payment due XXXX/XXXX/2017 again now where does it state how many days in this billing cycle. 
so how many days in this billing cycle? 
states " accrued interest '' {$86.00} how much of my payment of {$420.00} actually goes to interest and how much goes to principal? 
do i owe any late fees?
Product: Credit reporting or other personal consumer reports

I have identified errors on my credit report related to 15 USC 16c-2. The listed inquiries were not authorized and are negatively affecting my credit. Please remove all unauthorized hard inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX bank removed a late payment off of my account but the credit bureaus wont remove it
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * XXXX  /Account : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides
: * Sufficient proof of identity, and * A clear sta

tement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent ac count details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappea
r on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

I am a victim of identity theft. The criminals established a " KeyBank Hassle-Free Account '' at KeyBank in my name on or about XX/XX/2021. At the same time, they fraudulently applied for unemployment benefits in New York State and KeyBank, under the New York unemployment benefits program, also issued me a " Key2Benefits '' mastercard debit card. I never applied to open either account with KeyBank. On XX/XX/2021, I called the KeyBank Fraud department to report these frauds at XXXX XXXX  EST. The fraud reference number given to me is XXXX. I also reported the fraud to the New York State Department of Labor with respect to the unemployment fraud piece of this. KeyBank Fraud team claimed to be initiating an investigation and promised to ensure that these accounts were promptly frozen and/or permanently closed. A month later, as of XX/XX/2021, I have not received confirmation that the fraud investigation has been completed or that these accounts were closed. In fact, I received a second account statement for the KeyBank Hassle-Free Account for the period XX/XX/XXXX XXXX XXXX. While there has apparently been no activity on this account, I would like written confirmation that KeyBank conducted the requested fraud investigation and closed these accounts.
Product: Student loan

Navient is my loan servicer for all of my federal student loans. I have a mixture of un-subsidized and subsidized federal student loans. ( 6 in total ) I have been enrolled in auto-pay for all loans since the time I started paying on the loans ( 6 months after graduation ). Dated : XX/XX/XXXX Auto-pay has always withdrawn the minimum payment due on the loan. For one of these loans, the loan with the highest interest rate, I have paid ahead each month to pay this loan off faster. With no notice or any change to the autopay agreement, Navient has decided to push all auto-payments back to start on XX/XX/XXXX since I am ahead on my payments.

This is completely against the auto-payment enrollment agreement that I originally signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.