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

I had financed my car through a small loan company in XXXX TX. This co was purchased by XXXX XXXX XXXX XXXX in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my XXXX etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the XXXX XXXX XXXX numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX CALLED ME AGAIN AND LEFT ANOTHER THREATENING VOICEMAIL IMPERSONATING A COURT OFFICIAL AND THIS TIME ALSO INCLUDED MY SIGNIFICANT OTHER, XXXX XXXX. HER PHONE NUMBER IS XXXX. 
THE COMPANY NUMBER FOR ADVANCE AMERICA THAT SHE GIVES ME IS : XXXX SHE STATED THAT ALL OUR LEGAL RIGHTS ARE FORFEITED THAT WE WILL BOTH BE ARRESTED FROM OUR PLACES OF EMPLOYMENT AND THAT WE WILL NOT BE ABLE TO DISPUTE THE CLAIM AT ALL. 
THIS WAS AFTER WE CALLED AND TALKED TWICE WITH THE REP FROM THAT NUMBER AND OFFERED TO PAY STARTING IN XXXX WHICH THEY REFUSED. 
THIS IS THE THIRD TIME THAT XXXX XXXX HAS THREATENED US WITH PUBLIC EMBARRASSMENT, BEING ARRESTED, AND HAVING NO LEGAL RIGHTS. MY FIRST COMPLAINT THAT I FILED WITH YOU HAS THE REFERENCE NUMBER : XXXX
Product: Credit card

Capitol One is continuing to sabotage my life by not giving me access to my account. They refuse to give me access to my account to make payment, so they are attempting to ruin my credit score due to there issues. I made payment on the phone to try and save my account only to see my bank was never charged for it. So I have no idea if payment went through or not. The agents lie to me on the phone. They did not answer the last complaint I filed against them.

THIS HAS TO BE CRIMINAL. How is a credit card company allowed to not give me access to my account so I can be financially responsible for the money I owe? If they won't want me to use the card for purchases, that's fine by me. I'll get a different credit card from a different company. But to ensure I can't be financially responsible is a way of sabotaging someone's life because the credit borough will come after me and ruin my credit score and other things I need in life all because Capitol One won't give me access to my account. It's actually pure insane to me at this point as I've been yelling at these people on the phone I have never heard a story like this before so its being done on purpose. 

I sent XXXX verified documents of myself. More than enough to prove my identity as I've been using this card for like 10 years now. 

What I find the most absurd is that they don't believe it's me but they believe enough for me to make payment on the phone while I had to give the agent my routing and banking number. It's criminal
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that the credit bureau was reporting my XXXX XXXX XXXX while I am still a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All while as I stated am still a XXXX XXXX XXXX XXXX XXXX XXXX not to mention my loans are deferred until XXXX Therefore, while interest may still be a factor by law these loans should not be on my report according to statue 15 USC Code 1681B permissible purpose of consumer report or, considered late by 15 USC code 1666B timing of payments. This has caused me a very high percentage rate on buying a vehicle just to commute to my job in the XXXX  field which is my career passion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute against Comenity Bank regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law. 

I requested all accounting history related to this account, from account opening until account was closed, which also is a federal violation, related to committing adverse action against a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX XXXX Dear, SEZZLE INC I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : SEZZLE INC ACCOUNT # XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Product: Bank account or service

on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone has been using my identity. I have had money stolen from my bank accounts, etc. I believe this website that had email me is an impostor website. ( https : //usa.experian.com ) It has all of my info. But other than this, I have had many problems with my identity. Just recently Ive had hundreds stolen out of my XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 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 an account without my written instructions.

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

I disputed XXXX XXXX multiple times with XXXX and Experian I do NOT have a written contract with them for any debt collection. I asked multiple times I needed validation of debt with my WRITTEN SIGNATURE of the contract with XXXX they have failed to provide that information. Per LAW I am required to have that type of validation and that has NOT been sent to me. Bills and statement do not constitute a debt validation. XXXX has already removed the information and the other 2 major bureaus have not. They are hindering me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was looking to buy a car from BMW XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX XXXXXXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to BMW and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out BMW never used my reference number and just sent XXXX XXXXXXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about BMW I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX acct XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy. 
15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

I applied for real estate loan with my mortgage broker and was denied a loan from Chase ( the end buyer ) stating, " Regardless of the income, Chase does some kind of " background check '' on the borrowers, and she said regardless of the income or entire credit profile, they will not lend out to this borrower. She would n't give me specifics, but said no matter what is done with this loan, they will not lend to him. '' This is an unsettling response for a couple reasons : 1 ) Chase will provide no explanation whatsoever. I have several mortgages with major banks and this has caused a ripple effect of distrust with my broker and his company I have been working with for over 10 years. 2 ) This is odd as I currently have a merchant account with Chase Bank set up for my business ( XXXX ) and they had to do significant background checks on myself and my business just to establish the merchant account. I spoke to my branch manager XXXX XXXX who tried for weeks to investigate the statement to no avail. my branch manager stated they do have another company XXXX that has issues with the bank in the past and they may have our XXXX companies mixed up. Now I am reaching out through you to hopefully get some explanation as all other contact methods have produced no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card does not belong to me. I did not apply for this line of credit.
Product: Credit reporting

This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.
Product: Debt collection

This vehicle was stolen reported to the local Police department. The bank put all this debt on my report which as cost hardships in my life. I dont understand why the insurance didnt pay the vehicle maybe because its a expensive sport car. I need you guys help on getting this off my report. I viewed my credit I see the account been closed but the debt still showing.
Product: Credit reporting or other personal consumer reports

Transunion Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XX/XX/year> to XX/XX/year> and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for INACCURACY AND VIOLATION OF MY RIGHT FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.