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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Request for Written Confirmation Regarding Down Payment on XXXX  XXXX XXXX Dear Capital One Auto Finance, I am writing to formally request confirmation regarding the status of a {$13000.00} down payment I made to the dealership when financing my XXXX  XXXX XXXX XXXX Capital One. 

Upon contacting your company, I was informed that Capital One Auto Finance never requested a down payment for this vehicle and never received the {$13000.00} in question. This raises serious concerns about the dealerships actions, as they appear to have retained the funds without forwarding them to the appropriate parties or applying them toward the vehicle financing. 

To assist in addressing this matter and pursuing the necessary steps against the dealership, I kindly request a written statement from Capital One Auto Finance confirming : 1. That Capital One Auto Finance did not request a down payment for the financing of the XXXX  XXXX XXXX. 
2. That Capital One Auto Finance did not receive a {$13000.00} down payment related to this transaction. 

This documentation is crucial for my records and for any potential legal actions required to address the dealerships fraudulent activity. 

Please send the written statement to my address provided above or via email at [ XXXX ]. 
Should you need further information or documentation regarding this matter, please do not hesitate to contact me directly at [ XXXX ]. 

Thank you for your attention to this matter. I appreciate your prompt response and assistance. 

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

XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.
Product: Debt collection

None of the responses work, I have a medical debt that the collection agency will not take off my credit report and they keep extending dead line
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Attn : XXXX, I received a notice that my accounts in good standing are being closed. I am requesting that these accounts be re-opened or allowed to remain open. I have held several of these accounts for years, and closing them will negatively impact my credit score. Additionally, I still actively use these accounts. 

A previous FTC report, which was filed in error, has now been corrected. 

The specific accounts I request to be corrected/kept open include, but are not limited to, the following : - XXXX  # XXXX ( XX/XX/year> ) {$2300.00} - XXXX # XXXX ( XX/XX/year> XXXX XXXX XXXX # XXXX - XXXX # XXXX Confirmation and updated evidence have already been sent to all reporting credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report.

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.
Product: Debt collection

Credit Management Lp. Did not contact about a debit that they received from XXXX XXXX XXXX. They did not follow Fair Debt Collection Practices Act and Consumer Credit Protection Act.
Product: Debt collection

Wells Fargo Card Services has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( XXXX ) XXXX. Wells Fargo Card Services is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Debt collection

I first received notification of this debt in the mail on XX/XX/XXXX ( attached ) followed by multiple repeated phone calls about this. In line with the timeline set in the letter, I sent the attached debt verification letter on XX/XX/XXXX. In the letter I requested information verifying that this debt was mine and proof of where the debt came from and how the amount was settled on. XXXX notified me that the letter was delivered to IQ Data XXXX XXXX XXXX, the address the notification stated to send any disputes to, 3 days later on XX/XX/XXXX. This was before the deadline they set of XX/XX/XXXX. IQ data did not respond to my letter requesting additional information and went ahead and placed the derogatory mark on my credit score, ruining my credit with this unverified collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXXXXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
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 of {$900.00}, {$22000.00}, {$17000.00}, {$7500.00}, {$5000.00}, {$1200.00}, {$0.00}, {$13000.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13.  See Also 12 C.F.R 226.12 ( b ) -OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 






-CLOSED ACCOUNTS- 6. XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Mortgage

On Thursday, XX/XX/year> I received a text message from XXXX XXXX XXXX inquiring about a mortgage. At XXXX, Thursday, XX/XX/year>, I unsubscribed from his mailing list via text and email. On Friday, XX/XX/year>, I continued to receive emails and text messages from XXXX. I unsubscribed again at XXXX. At XXXX on Thursday, XX/XX/year>, I continued to receive XXXX emails from XXXX XXXX I called XXXX to stop him from contacting me again, and he ignored my request and continued to sell me his product. 

XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX is in violation of the CAN-SPAM act. Any further contact from XXXX or his company will result in legal action from my attorney.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to TRANSUNION to remove the following account due to inaccuracies and an increasing COLLECTIONS BALANCE which is illegals as I have never done business with this collection company and I don't know how they can be increasing a balance and reporting it monthly on my credit report! 

{$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX I feel that my consumer rights are being violated and I wish to have this account removed immediately from my credit report and all furnishing institutions.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Checking or savings account

This is the account end in XXXX problem caused the account funds being low. fact are TD bank repeat again and again send XXXX debit back number of time charge the consumer the fee and still return the item TD bank have always paid my and my wife XXXX debit item for over year and they would assessed a fee of 35.00 me and my wife would immediate take the step to resolve. the represent explain that we had the overdraft protection but still send the consumer a letter stated that the item was completed and assessed the fee of 35.00. the evidence show that this took place over a time. 100.00 of 1000.00.
Product: Credit card or prepaid card

To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs. 
As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}. 
Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized. 
I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees. 
The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me. 
The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account. 
The individual continued to insist that I agree at which point I decided to not response anymore. 
The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.
Product: Mortgage

As the executor of my mother 's estate I sold her apartment in XXXX of this year. We closed on XX/XX/2022. Select Portfolio Servicing Inc ( SPS ) finished processing the payoff of the loan, according to the documents they sent me, on XX/XX/2022. However, after closing I was no longer able to access the auto-pay settings on the account, and an auto-payment was deducted after the loan was paid off. Additionally the payoff quote used in closing was dated in XXXX and so included multiple days of per diem interest after the loan was paid off. I contacted SPS in XXXX to inquire about the extra payment that was removed from my account after the loan was paid off. I was told that this amount, as well as the per diem interest, would be sent to me via a check in the mail. I was also told it would be sent within 30 days of the payoff being processed. 

The check was never sent to me. I contacted SPS again on XX/XX/2022, well past the 30 days, to inquiry about the issue. I was told by the Ombudsman department that the check had been mailed on XX/XX/2022. I informed them that I had never received the check, and that according to the Daily Digests from USPS 's Informed Delivery service during that period the only mail coming from SPS was the letter informing me the loan had been paid off, but that no check had been sent. I also requested the payment and escrow history for the account. 

I was then told that the check would be reprocessed and sent again, and the payment and account history would be sent to my e-mail. I was also again told it could take up to 30 days for that to happen. I did receive the payment and escrow history on XX/XX/2022 but not the check with the money. I responded to the e-mail with the account history to inquire about the check but never received a response. I again waited passed the 30 day period and contacted them today, XX/XX/2022. 

Not only has the check not yet been sent, they claimed that they had not even finished getting the approval to reprocess it. I was also told the request to reprocess was submitted on XX/XX/2022, meaning they delayed two weeks from the time I called to even submit the request and they were trying to retroactively add that two weeks to the 30 day waiting period. Which, of course, comes on top of the previous 30 day waiting period when they never actually sent the check they claimed to have sent. 

The end result is 85 days have now passed since SPS processed the payoff and I am still waiting for them to return to me the per diem interest as well as the payment they stole from account after payoff.
Product: Credit reporting or other personal consumer reports

Incorrect account balances Wrong address Wrong employment status Hard inquiries from dealers and lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

US department of education has been turning me into collections and reporting me to the credit bureau as not making payments on my student loans. I have an automatic payment pulled from my account every month. In addition, I have had my wages and tax returns garnished. I have proof that I have submitted appropriate paperwork for deferment for XXXX and XXXX, and can show payments started in XXXX.
Product: Mortgage

This involves Reverse Mortgage Solutions. They are the most deceptive Company I have Ever in my life worked with. First of all, they told us all kinds of lies when we got the reverse mortgage. There was admittedly one year when we fell behind on our hazard insurance and they went and got it and sent us a bill. However, we did not fail to pay our property taxes. Although they did not tell us that was part of the deal when we got the loan, we have always kept our property taxes paid. However, they paid our property taxes on XX/XX/XXXX, that were due on XX/XX/XXXX and then sent us a bill. Well, we went up to pay our property taxes on XX/XX/XXXX and the ladies in the courthouse told us they were paid and never told us who paid them XXXX they said we did and they are not the brightest ). We thought oh well, maybe we did. Come to find out, Reverse Mortgage had paid them and they sent someone to our house!!!!! Some lady came here taking pictures of our house saying she was sent to do an inspection. My son was here. We were not home! This happened one other time when we had supposedly not sent in the verification that we resided here. I called to see why they had sent someone here to take pictures and they said they were foreclosing because we were in default because we had not paid our property taxes! I of course was shocked! I asked them to send me receipts and they did. Of course it was obvious that they had paid taxes due on the XX/XX/XXXX on the XX/XX/XXXX. So, they paid taxes that were not even due! Then I got a call from a realtor stating that she wanted to do an appraisal and RMS had asked her to do it!!! Well, I called RMS last week to say that they should not have paid taxes that were not due yet and the girl said that they no longer had our loan and I needed to wait a week and call someone else who now had our loan. She said that we should have received some paperwork about a settlement from the CFPB because of false advertising and that they could no longer help me. I asked why we got a bill from them for over 3 thousand dollars and she said they had paid taxes and hazard insurance. I said we paid our hazard insurance and I told her that they paid our taxes before they were due and we tried to pay them. She said I needed to call this other place. Well, before I could call this other place, another lady showed up at our house today and said she was sent here by RMS to do a property inspection by RMS! I am so angry! Not only are they big liars but they constantly keep us upset. My husband has a bad XXXX and XXXX XXXX XXXX. He built this house and he is so worried that our children won't get this house because of all of their lies. I do have some understanding of the laws but some of the elderly people, I feel so sorry for. What is being done about this company. Aren't they responsible for paying some damages to us and some of these folks they have harassed and told all of these lies to? Can they just file bankrupcy and forget what they have done and continue harassing us? I am so tired of dealing with this company. I am certain this new company is just another company that they have renamed. Can you help us?
Product: Student loan

Old loan was sold to Navient. Navient sent bill to old address, and I was never notified other than a letter to an old address. Credit Score dropped because they never called, only sent a letter.