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

I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been declined credit based on bankruptcy information being reported by Wells Fargo Dealers at XXXX. The bankruptcy was removed from credit reports on XX/XX/XXXX. I have been submitting disputes and request to Wells Fargo to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from Wells Fargo Delears shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at XXXX  and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by Wells Fargo Delears , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, XXXX and XXXX advise that Wells Fargo Delears is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX  ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Product: Debt collection

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call western sky Delbert collections
Product: Mortgage

On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. 

The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. 

The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from CAPITAL ONE a statement or the letter of approval from the year XX/XX/XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to XXXX XXXX IN XX/XX/XXXX. 


I NEED from Capital One WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN CAPITAL ONE I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XX/XX/XXXX/XX/XX/XXXX
Product: Debt collection

We took out 2 loans in XXXX with this company, and paid them in full. Now, the same company is billing us for four NEW accounts that we did NOT open at all. These 4 new loans were made/opened in XXXX of XXXX and in XXXX of XXXX. There are currently 4 accounts open with the same company that we are being charged for, but we have paid this company in full. Currently, the original company has sent these accounts to a debt collector that referred us here to file this claim. 

Accounts being charged for : 1 - {$330.00} XX/XX/XXXX 2 - {$180.00}. XX/XX/XXXX 3 - {$330.00} XX/XX/XXXX 4 - {$590.00}. XX/XX/XXXX We paid a total of {$1100.00} as of between XX/XX/XXXX through XX/XX/XXXX ( auto-withdrawn ) to pay off our account with this company.
Product: Debt collection

Collection agency dont listen to me talk right over me and insist debt is mine ask them send proof of signing papers or copy of contract to verify signature never did get response The company is CBE Group and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed on 2 different occasions certified letters with tracking numbers for XXXX to validate a few accounts and mail me back their actions. Ive received no response from them nor have they allowed or showed cause of validity of validation on my credit report for the accounts. 
Per 15 USC 1681 ( I )
Product: Debt collection

I stopped paying XXXX student loans because i couldnt afford it. For 5 years I tried working with XXXX  and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from Credit Control, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This auto loan on my credit report is fraudulent i do not recognize it and needs to be removed off my credit report XXXX XXXX XXXX Account # XXXX
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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX 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 XXXX  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 or other personal consumer reports

XXXX XX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXXXXXX XXXX XX/XX/XXXX {$560.00} XXXX  XXXX/XXXX/XXXX {$720.00} XXXXXXXX XXXX XX/XX/XXXX {$500.00} I am requesting that the reporting af this information be blocked and Deleted15 usc subsection 1666 ( b ) states : ( 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.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Mortgage

My family includes an XXXX individual, and we get paid for taking care of them by the State of Washington. Earlier this year, they switched the way they handled payments from once a month to twice a month, and in addition to this, we had some issues with the caseworker responsible for the XXXX individual, because of this, we got behind in our mortgage with Select Portfolio Servicing, and they refused to take anything but the full payments that were late. They denied the loan modification, but in the meantime we discovered a way to provide proof of more income we receive per month, so we appealed it. We submitted the appeal paperwork in XXXX, and they confirmed they had received it. In XXXX, we received a notice of default taped to the front door, and we learned that they had scheduled the foreclosure auction for XXXX of 2018. Since then, we 've been getting pressured by realtors arriving at the house and talking us into a short-sale, which we 're proceeding with, because we do n't feel we have many options. In some cursory searches on the internet, I believe this is what 's called " dual-tracking '', which was restricted by Dodd-Frank. Is my assessment of the situation correct? 

I can provide documents if necessary, but they 're not within easy reach as I 'm typing up this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Transunion Collections accounts 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 XXXX 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-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, credit repair services, or other personal consumer reports

I have exhausted all Attempts with Equifax to have my Credit File Corrected. Equifax continues to Report Incorrect/Impermissible information on my credit report that are Repeated Clear Violations of Federal Consumer Law. The Following account is Reporting Incorrect showing a Balance Due of : {$20000.00} and notates Late Payments that are Not Permissible under Consumer Law " 15 USC 1666 Permissible Purpose. 

XXXX XXXX XXXX XXXX acct # XXXX ( joint acct : XXXX XXXX XXXX ( Past Due Balance ; {$20000.00} Notates Late Payments ) This account is for an Auto Loan of our : XXXX XXXX XXXX XXXX XXXX XXXX This Auto loan with XXXX XXXX XXXX XXXXXXXX was Paid Off in Full on XX/XX/XXXX and We were issued our Clear Title on XX/XX/XXXX. Attached are Documents Clearly and Undisputable supporting the Dispute of Incorrect/Impermissible Reporting by Equifax. Equifax has continuously committed Fraudulent " Said Investigations '' and Repeatedly denies the Dispute and continues to Violate my Consumer Rights by reporting " Account VERFIED/VALIDATED/CERTIFIED to BE FACTUAL and CORRECT '' I urge CFPB top Enforce my Consumer Rights and Protect me the Consumer from Equifax 's continuous Violations of Federal Law and Reporting of Incorrect/Impermissible Reporting of account information Attached are Supporting Documentation of Above accounts and Also Identification Document to Verify who to Avoid Fraudulent Response by Equifax as Filed in CFPB Complaint XXXX XXXX which contains Proof of Equifax 's Fraudulent Previous Responses of " We were Unable to Locate your Credit File '' -Also see attached Equifax Credit File Report Sent which Identifies me via Equifax Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Product: Checking or savings account

This is following my former complaint # XXXX which never was resolved. 
After the last response they provided to my complaint mentioned above, I did not get any other response despite of several efforts to contact them. 

There has not been any update, email, text message, mail, etc about this issue until on XX/XX/2023 that I realized all blocked fund in my account have been withdrawn without any description/explanation. Again after trying to reach out to any customer service representative on capital one bank, right after giving my information I got forwarded to a voice mail for litigation department and never been responded/called back by them following leaving messages which made me really concerned about a probable fraud incident. 
Finally I could get help from a helpful representatives in Capital One Cafe who talked to the litigation department over the phone on my case for me and I realized that my funds are sent to the state through " Escheatment '' process and regarding " The way the account was closed '' no one have access to any further information to provide me. 

I started to follow up with the State of california department for unclaimed properties and as as of XX/XX/2023 there has not been any report that matches with my information or even there has not been any reported amount of funds that matches my case. 

I need to be given below information. 

- To which state my funds is sent out, The date submitted, The name reported as the owner of property, the exact amount, the standard " property type '' code used in report and any other information that I need to locate/find the case and claim it. 
- The outcome of the investigation and the reason and the law/legal basis that is practiced to take final measure which was " Escheatment ''. 
- The reason why I have not been responded back in any manner, If I am a red flagged customer that should be transferred to the litigation department, I still need to be provided with some " Answers '' or " Clarification '' on my situation somehow instead of being flagged and blacked out. If I have committed any illegal action, I need to be forwarded to court or any other legal authority based on law, otherwise my rights as a citizen should be fulfilled. I need to be informed the laws and legal basis that I got blacked out based on.
Product: Vehicle loan or lease

Bridgecrest has used my non public personal information to furnish information on my credit report UNAUTHORIZED and unlawfully HAS stolen my property ( XXXX  XXXX XXXX XXXX # XXXX ) Which is a BREACH of PEACE. Please refer to complaint ID # XXXX where i have given notice of rescission to XXXX ( Notice & Other documentation from the complaint Also Attached for Review ). I called regarding the matter and they are willfully denying me these rights.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent and closed accounts off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XXXX {$1100.00} XX/XX/year> 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

All concerning, I am writing to file a formal complaint regarding a Experian 's refusal to investigate a previous complaint that I submitted. I am extremely disappointed and concerned about the lack of action taken by the agency, despite the fact that the complaint was directly sent by me and was authorized by me alone. 

The complaint that I submitted contained important information about a situation that required immediate attention. However, Experian has failed to investigate the matter, which has caused further harm and distress to those involved. 

I would like to stress that the complaint that I submitted was done so under my own volition and with the intent of resolving a serious issue. I followed all of the necessary procedures and protocols in submitting the complaint and I was led to believe that it would be handled with the utmost care and attention. I included my rivers license and a utility bill to further support my legal identity and residence. 

It is unacceptable that Experian has refused to investigate the complaint despite my direct involvement and authorization. I strongly believe that it is the responsibility of Experian to thoroughly investigate all complaints and take appropriate action when necessary. I am relying on Experian to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is accurate. Experian 's stall tactics are unwarranted, unethical and illegal. 

I am now seeking the assistance of the CFPB to ensure that this matter is thoroughly investigated and resolved. I urge you to take swift action in investigating the external agency and ensuring that appropriate measures are taken to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. 

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

I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :
Product: Debt collection

I have called this debt collection twice to settle and they have refused twice. I stated they are attempting to collect the wrong amount... they were unwilling to provide history and transactions on acct. I spoke with a supervisor and still no settlement was agreed to. This acct is going on XXXX XXXX XXXX. I also informed them that I'm on XXXX and do not work full time or part time. Therefore I don't have much money this why I called to try and settle the acct. They refused to settle both times I called. This collection agency is not trying to help the company or settle with the customer. These decisions are fueled by greed on the collection agency behalf.
Product: Mortgage

My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.
Product: Debt collection

M. Leonard and Associates attempts to charge interest on medical debts that they are legally not allowed to charge interest on per federal law stating that debt collectors can not charge interest that is not in the original contract. I have a medical bill with them in the amount of {$210.00} that I now supposedly owe {$270.00} on due to fraudulent interest charges. When I stated this and told them that I was not going to pay it at that time, they simply said, " Well it's already on your credit report. Have a nice day. '' and hung up. I can only imagine how many people have unfortunately been scammed by this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXXXXXX 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 XXXXXXXX - XXXX, XXXXXXXX XXXX  - XXXX, Public Record - Federal