23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2019 my Wal-Mart credit card was transferred to Capital One. I tried to set up an on-line account for the card. I was told an account already existed and the card was added to that account. I had a XXXX credit card from this bank that was transferred to a new bank but I did have an on-line Capital One account for the XXXX card when it was with Capital One so I assume this is the account they are referring to. I tried to access this account but can not access it because they do not recognize the Password and there is no way I can change the Password. I have spent hours on the phone trying to change the Password but the only way that can be done is if they can send a text to the phone number they have on file for my account and the only phone number they have in my account is my land-line phone. I do not have a smart phone. You can not send a text to a land-line They refuse to solve the problem with the Password and will not give me another way to change my Password even though they have my e-mail address in my file and constantly send me e-mails telling me to sign into my account to update my information ( and that is the way my other Credit Card accounts contact me when I need to change a Password ). I had Rewards at the time the card was moved to Capital One and have earned more Rewards since but I can not access them because they can only be accessed with an on-line account and my account is not available to me Capital One has now stopped showing my Rewards on my monthly statements and say I can only see them by going to www.Capitalone.com and signing into my account. The last time I contacted them I requested that the old account tied to the now closed XXXX credit card be eliminated so that I can open a new on-line account for the Wal Mart card but not only have they not done this they have now locked the account and want me to go through the same non-working process to change the password. Capital One and WalMart are not only guilty of false advertising when they say you earn up to 5 % in Rewards and then refuse to give you access to those Rewards but they have also stolen the Rewards that existed before Capital One took over the account.
Product: Mortgage

XXXX XXXX XXXX applied for a mortgage through this company called ( land and home financial services inc, XXXX XXXX XXXXXXXX XXXX tx XXXX loan number XXXX. XXXX was married in XXXX XXXX XXXX XX/XX/2016 this mortgage company approved his mortgage as a single man while he was legally married. Any further information please contact me on XXXX and I will assist with any documentation you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I have asked in a letter, XXXX, XXXX and Experian to remove the bankruptcies and correct my Name, phone numbers and addresses.
Product: Credit reporting or other personal consumer reports

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

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

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

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

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

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

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

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 an 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion on XX/XX/2022 asking them to verify some information on my report. After almost two months TransUnion replied that they are " unable to locate report # dispute request ''. 

My dispute was sent to them via certified mail with both my proof of identity and proof of address. 

The Credit bureau has not stated whether my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX Account # XXXX Open XX/XX/2022
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached is a letter providing detailed information about the items listed on my credit report. I have never had a contractual relationship with XXXX. I believe the original creditor, XXXX XXXX XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days. 

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court.

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.
Product: Credit reporting

I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

A gentleman by the name of XXXX XXXX, from XXXX XXXX, called my XXXX XXXX XXXX XXXX XXXX XXXX  ; after I had already spoke to his associate a week early and gave him all the information for the law office I am using to help settle my debt. He had everyone in my family scared to death thinking something had happen to me. I got his phone number from my XXXX  and called him back and explained I had already spoke to someone at his company about the debt and gave them the information for my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collections on my credit report that do not belong to me ; I noticed them today XX/XX/2020 when I was denied from getting a personal loan. I wasn't aware of these accounts because I never opened them. I did not allow anyone to open these accounts on my behalf nor do I have any written/verbal contract with these companies. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the CFPB regarding this unauthorized account.
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. 

Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Mortgage

I get my statements late. I had been paying the same amount for years. I get a notice that the escrow is short and that I owe about {$120.00}. I call Newrez and pay the {$120.00}, I ask if I should go back to paying what I had been paying. They say yes. I get a notice that I am XXXX months late and that they have not applied my payment because the escrow is short. The destroy my credit by filing that I was XXXX months late. I paid the mortgage on time. They told me to go back to paying what I had been paying. They never sent me anything that informed me how much the escrow had gone up a crazy and unexpected amount of almost double. I have general liability and earthquake insurances. They went up almost {$1500.00} for the year. I had no idea, I never got an accounting which is why I thought the {$120.00} was all I owed. My XXXX XXXX went from over XXXX to below XXXX. I am looking at purchasing as new home. I will not be able to now because of this. 
Also I chose the escrow option. I owe less than XXXX XXXX  on the home so an escrow is not required, it would be my loss if something happened. The property alone is worth more than XXXX XXXX 
Saying I was late on the mortgage when I wasn't is just wrong. I have not been able to contact the credit agencies. They have an impossible amount of hoops and then don't email the verification code. 
Please have Newrez correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. XXXX XXXX in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. XXXX, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account XXXX XXXX as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League
Product: Vehicle loan or lease

XX/XX/XXXX the vehicle was in an accident and declared a total loss by XXXX. It was reported to Ally who is the finance company. XXXX had a difficult time working with Ally due to Ally declining to speak with XXXX 's reps. Ally wanted me to permit XXXX to receive information about the vehicle. XXXX set up a conference call with me and Ally in XX/XX/XXXX. XXXX stated that they have been trying to get information and documents from Ally so that a check could be sent to Ally for the vehicle. However, after two hours of being on the phone, XXXX could not get any information as we kept being transferred from one department to the next as Ally claimed they had no record of the vehicle or the VIN. I later found out that Ally listed the vehicle as a repossession in XX/XX/XXXX and was sent to the Auction storage yard. After several more calls, I was finally able to reach a rep with Ally and get the information XXXX needed to handle the accident claim. Unfortunately, Ally has placed a repossession on my credit report. In XX/XX/XXXX, I received a collection letter from Ally for the remaining balance on the vehicle. I called Ally and asked why the Gap Insurance was not used and was told that the vehicle was not covered by XXXX. I called XXXX XXXX which holds the XXXX  policy and was told Ally canceled the Gap Insurance in XX/XX/XXXX and that it could have been done in error as the remaining maintenance coverage was canceled at the same time. I was instructed to have Ally return the Gap insurance check that was issued and have the Gap Policy reinstated. I did as I was told. XX/XX/XXXX, Ally continues to give me the run around stating that they have no knowledge of canceling the policy but they will do some research and get back to me. I never hear back from Ally. I called again on XX/XX/XXXX, and this time I was told by Ally that the dealership, XXXX XXXX XXXX, said that the Gap policy can not be reinstated because it's been over 30 days. I called XXXX XXXX XXXX the same day and was told that they had no record of Ally ever calling. I was also told by the dealership that they would check on getting the Gap Policy reinstated however, I have yet to hear back from XXXX XXXX XXXX even after making several calls and leaving messages trying to get an answer.
Product: Debt collection

Previously subscribed to XXXX. Terminated my service, with a balance due, returned equipment and got notice, without warning, of being sent to collections. Balance due indicated of {$130.00}. 

Contacted XXXX  for an itemized bill supporting the {$130.00}. A few days later got a pdf of a bill from the collection agency, Credence Resource Management LLC, shows multiple balances but not {$130.00} except in header at top of bill. No indication in bill of how the {$130.00} is derived. 

I called Credence and they refused to send an itemized bill other than the erroneous one sent. I informed them they have no claim if they can not provide an itemized bill supporting the collection amount. They responded the info they have is from XXXX and had done what they were required to do.. 

So at this point I have an account in collections with no supporting line item detail and neither XXXX  or Credence able to provide same.
Product: Credit reporting or other personal consumer reports

Several Erroneous issues and information on my credit report regarding several accounts, one is an account with XXXX XXXX XXXX XXXX XXXX Covered by COVID-19 protections. This detrimental and erroneous information has caused me to be under qualified for any type of credit acceptance. I have contacted them about several things on my credit reports and Equifax and XXXX has not resolved these issues and I have reached out to them for information and received no resolution. I can list errors from several companies and have tried to resolve it with XXXX Equifax and XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following inquiries must be removed according to the 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XX/XX/23 XXXX OF XXXX XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXXXX/XX/23, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 These inquiries are not authorized and must be removed from my credit report
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, XXXX XXXX XXXX XXXX, have violated my rights. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.