23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about unauthorized Inquires on my report that I am requesting the investigation and removal. 

I contacted creditors and asked them to remove their credit inquiry from my credit profile. 

These are the unauthorized Inquires 1.XXXX XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXX -XX/XX/XXXXXX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX- XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 7.XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX-XX/XX/XXXX 15.XXXX XXXX XXXX-XX/XX/XXXX 16.XXXX XXXX XXXXXX/XX/XXXX 17. 
XXXX XXXX XXXX-XX/XX/XXXX I am a victim of several data breaches XXXX XXXX XXXX to name a few.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a billing error on my report. I am attaching where my late fee was returned from. 


According to Consumer law 15 US Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Attached you can see that a billing error was made on my account and XXXX XXXX refunded my late fee amount for the alleged late payment from XXXX XXXX 
Please remove the late payment from my credit report, due to the consumer law 15 US code 1666 b as a billing error, and use my highlighted letter showing that they made an error and refunded the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. Remove now is now ASAP!
Product: Mortgage

Received loan modification from XXXX XXXX  on XX/XX/XXXX, for payments monthly of {$1300.00}. Ive been making those monthly payments until XX/XX/XXXX. I was told in XXXX from XXXX XXXX of SN Servicing that I my payments were supposed to be going to SN servicing and not XXXX XXXX. Although I wasn't able to confirm this with XXXX  ( I tried a few times to contact XXXX  ), I started to send my payments to SN Servicing. 
From the moment SN took over my mortgage, they claimed I was months behind on my payments, and then XXXX started with his harassments. I was making monthly payments now of {$2000.00} and XXXX claimed he never received the funds, even though the money was taken out of my account. 
I now received a foreclosure notice on my primary and only home, and I don't know how to deal with this. SN has sent the foreclosure notice to my father in laws house last night at XXXX XXXX. The person showed up in my bedroom to deliver these documents. when I threw him out he cursed and threatened me.
Product: Consumer Loan

I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights : Accounts XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

the inquires on my report have not been done by me. the closed account is wrong and wasnt done by me.
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX just recently looked at my credit report XX/XX/year>. I saw some late payments there were suppose to be on time. Me and the creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to the transunion, Experian and Equifax to get this fix but they still said everything is reporting correctly. But it's not. Can you help with this situation. Thank you.
Product: Payday loan, title loan, or personal loan

I have 2 Fraud acct showing on my credit reports!! I called both a they said they don't know anything about it!! I need them to be removed ASAP!! Its fraud!!
Product: Vehicle loan or lease

Company handed me a car I couldn't afford to pay back. I would consider this predatory lending. They didn't look at my income very wisely. The cars initial worth was XXXX $ and I end up paying upwards of XXXX $ after the high interests rates of 25 %. My car has been repossessed
Product: Vehicle loan or lease

I have an auto loan through BMO Harris Bank. I moved out of state and to register my car permanently in the state I need a copy of the title sent from the bank to the DMV. I have now called BMO more then 7 times and made 5 trips to the DMV. I was given misleading and factually incorrect information by BMO Harris such as the following : XXXX ) I do not need a title to register my car XXXX ) I can take a PDF of the title in and get my registration XXXX ) That the title was sent when it was not XXXX ) I was given the incorrect fax number to send the request form XXXX ) I was told that BMO does not have a fax line XXXX ) That BMO could not provide a copy of the title until the loan is paid off. 

After roughly a month of back and forth BMO is now confirming that my most recent request from XX/XX/XXXX has been received, but as of today, 8 business days later, no progress has been made on sending it. BMO also has no record of other requests from XX/XX/XXXX or XX/XX/XXXX. The DMV made it clear that all requests should be processed in 5 business days. The DMV told me at this point I should consider contacting my lawyer about this issue. 

Due to these numerous delays and incorrect information my registration has expired and I had to rent a {$610.00} rental car to make a personal trip at the end of this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my name change information to Equifax now three times. Both disputes I filed on XX/XX/XXXX & XX/XX/XXXX have been " completed '' by EFX stating my name change has DONE AS REQUESTED. Neither of these were done. Both times they changed/kept my name to XXXX XXXX which is my old name and the name I have been trying to change. My new legal name is XXXX XXXX XXXX which I have provided, my court documents, passport and drivers license showing the change. This is now preventing me from purchasing my new home on XX/XX/XXXX.
Product: Debt collection

I called the company on XXXX occasions asking them to send me validation of debt letters which one time they said that they did. I never received anything. I also disputed both online and over the phone with XXXX and XXXX to which they came back verified. When I asked how they verified the debt they said that the company verified it. I told them that it wasnt sufficient and that someone had to send me some kind of proof and that the company can not investigate itself.
Product: Debt collection

XXXX XXXX has never remedied the discrepancies ( 1 ) in the amount on the closing disclosures and the actual amount issued to me ( 2 ) or the bait and switch and overcharges of the appraisal fees. This was initially disputed to XXXX XXXX, XXXX XXXX and XXXX XXXX in emails dating back to XXXX, XXXX. They chose to ignore it. 

The indenture trustee, guardian and trustee have all ignored my correspondence. The Servicer has refused negotiable instruments/matured bonds and failed to provide the information I requested in order to support their acceptance XXXX. 

XXXX XXXX ( " Servicer '' ) failed to put the account in billing error status despite notification of such, XXXX. 

Servicer continues to ring my phone in violation of longstanding instructions to only be contacted in writing XXXX. 

Servicer continues to report negative information to the credit reporting agencies on me regarding the properties, instead of reporting on the new owner.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify these accounts XXXX XXXX XXXX. It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX
Product: Credit card

It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Experian XXXX Experian
Product: Debt collection

I had a checking account with santander bank. Few months ago, approximately around early 2021, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. Santander bank then keep calling me and asking me to pay them money that was paid towards my XXXX credit card payment. When I contacted my XXXX credit card, they said the payment from Santander was returned back, And none of the payment from my santander account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency XXXX. XXXX XXXX XXXX stating i owe money to santander. This is frustrating. Santander has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.
Product: Money transfer, virtual currency, or money service

A person has been trying to get my identification and social to open accounts and etc., they tried to withdraw over XXXX XXXX dollars from my account which was reversed but now the credit I was giving by my bank reversed it and left my account in overdraft and its tAking my deposits to get me through daily and I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 am urgently seeking the removal of this inaccurate inquiries on my account this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received a credit card in the mail that I did not open nor authorize from CARD.COM. The phone number, email address and the mailing address on the envelope the card came in I question if any is legit. My identity has been stolen and I have made a police report, contacted the FBI, put have a credit freeze with the 3 credit agencies, freeze with checking acct institution, filed a complaint with the FTC, fraud complaint with XXXX ( Loans ), and many more steps. We have attempted to call card.com ( XXXX ) but are on hold and never get anyone to answer and we have emailed their support email address and no answer. We attempted to contact XXXX XXXX, which is listed on this VISA Debit card and they are no help at all. We contacted VISA ( XXXX ) and they attempted to call card.com and created a cancel card request to card.com ( reference # XXXX ). This is a nightmare and I feel I have no control over my over social security, credit, etc. Please, I am asking for help!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute letter to Experian XXXX/XXXX/2022 # XXXX asking for a method of Verification under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I did not receive any information with in the 15 days for accounts .XXXX XXXX Acc # XXXX, XXXX ACC # XXXX and XXXX XXXX XXXX  ACC XXXX
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
ACIMA XXXX XXXX XXXX, balance is {$1300.00} and account # XXXX