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

My partner and I launched our XXXX in late XX/XX/XXXXand by XX/XX/XXXXwe hit a point in our growth where we needed to sink everything we could into our marketing, business development, and operations to support our scaling strategy. What that meant was that for about 18 months, from early XX/XX/XXXXto mid-XX/XX/XXXX, my partner and I ended up taking distributions out of the business that equated to about 50 %  of our monthly personal expenses. Most of the remaining expenses ended up being floated on credit cards. 

Around mid-XXXX, I reached out to CapitalOne on multiple occasions to proactively see if there was a program I could take advantage of where I could establish a reasonable payment schedule so I could pay down my balances. At that point, the business seemed to be going in the right direction and our cashflow woes looked like they would ease up. I was told multiple times that I had to let my payments lapse for 120+ days in order to qualify for any sort of program. So I let that happen as their associates had recommended. That turned out to be a huge mistake. Because life also happened during the course of that time. My business was starting to pick up, which was good, but my mother-in-law lost her 3rd and final bout with XXXX a week after we saw her for the last time over Thanksgiving, and that hit us all pretty hard. 

CapitalOne associates also failed to inform me that going beyond 180 days would result in a charge off. They also failed to notify me that this was about to occur. I inadvertently let my bill payment lapse beyond 180 days which put me in this charge-off situation. Even though I was able to qualify for a payment plan ( and I have been reliably making every single agreed-upon payment since ), CapitalOne account status to charge-off and keeps reporting that to the credit reporting agencies as a charge-off, every single month, even though I have been making my agreed-upon payments. As a result, this situation has had a tremendously negative impact on my credit score. 

The charge-off status on my credit report does not accurately reflect the situation. I have spent the last 6 months trying to get CapitalOne to acquiesce and even offered to pay off the complete balance in return for removing these inaccurate and derogatory marks on my credit report and they have unequivocally refused to do so. 

While I place no blame on anyone but myself in amassing the debt I amassed and had challenges paying off, CapitalOne agents advised me to go down a path which I went down, didn't explain to me that it could lead to where it's led, and now take no responsibility for the part they played.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive written a letter to XXXX requesting to provide information showing the validity of a derogatory account showing on the report. They were not able to furnish proof and refuse to remove the account from my report after several attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX, XXXX, NM XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NM XXXX Incorrect XXXX : - XXXX  Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX Employer XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My wife has called in and spoken to several different people who have not been helpful and have hung up on her. At the end of XX/XX/XXXX   the XXXX  that is financed on this loan was damaged in a hail storm. On XX/XX/XXXX I made a payment against the loan and spoke to a westlake representative about this issue and that the insurance company would be contacting them about payoff. I asked that the automatic payments be shut off and was assured no additional payments would be taken. After communication from the insurance company and a letter being signed by Westlake showing their intent to send the title to the insurance company after payoff was received, a payment was taken out of my bank account on XX/XX/2018. Westlake had confirmation that the loan was being paid off by the insurance company and provided the payoff amount. The payment that was electronically taken out of the bank account held by my wife and I was taken incorrectly. My wife is trying to get this resolved with Westlake and is being told that the money will be returned within 21 business days. She has been transferred around, put on hold and then miraculously disconnected by two individuals in two different departments. I have emailed Westlake Customer email and received a response back that I would be contacted within 10 days. I have called on multiple occasions to be left on hold and never make it to a person. I finally made it to someone today and asked for a supervisor only to be put on hold over and over and told no supervisor was available. I asked for the next level up and was told they were not available. I asked for someone who had the authority and refused to wait for a call back as I have not received one yet. I was finally put on with a supervisor who talked over me until they finally hung up on me. How is it acceptable for Westlake to take the funds immediately and incorrectly and then to hold onto the funds for an additional month before returning them? Why would it take 21 business days to cut a check and mail it? Who do I need to talk to about refunding my money directly into my account the same way it was taken in a reasonable time? This is a reasonable question that no one can answer except to tell my wife that it is your process. Is it your companys process to take money fraudulently and then to hold it for over a month before returning it? You can not tell me that Westlake has the ability to take the money from my account but do not have the ability to return it the same way when a mistake has been made. You can not tell me that it takes 21 business days for Westlake to cut a check and to send it in the mail. You can not tell me that there is not one person within Westlake that has the authority to correct a mistake such as this faster than 21 business days. 

It is ridiculous to even think that anyone would accept someone taking funds out of their bank account incorrectly and would not be upset that they have to wait approximately a month for the return of those funds. Would you accept this explanation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

XXXX XXXX has billed me for three consecutive months. With an amount of XXXX, XXXX, and XXXX which I do not owe. I have never heard of this organization, nor have I ever been involved in any way. These are utility bills for properties located in North Carolina. I own nothing in North Carolina and currently reside in New Jersey.
Product: Payday loan, title loan, or personal loan

A contract was signed on XX/XX/21 to assume a solar loan in the amount of {$34000.00}. The agreement was recorded on XX/XX/21. 

The first statement the lender provided claims that the loan amount is {$34000.00}. Multiple attempts to correct the issue have failed, the lender has refused to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX  XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

In XXXX of 2021, went to XXXX XXXX to get cars on a lease. Told the representative to run credit with just XXXX XXXX. Credit was ran through XXXX different agencies creating XXXX hard inquiries. Also was coerced into putting a down payment for the vehicles totaling {$4000.00}. Under US 15 1661 this is a violation of consumer law. In addition, Toyota Financial has shared my information with third parties with my consent or permission.
Product: Mortgage

XX/XX/XXXX To CFPB : This is my third complaint against Freedom Mortgage Company/Corporation .

We received a check today from Freedom Mortgage ( FM ) Loss Draft Department ( LDD ) after two weeks of waiting on our 3rd inspection draw check : 1 ) they provided incorrect tracking number for XXXX 2 ) When check was received today, XX/XX/XXXX, it still had my mothers name on it 3 ) Called FM LDD 3 times today. First call was to inquire about the XXXX tracking issue. Second call was to ask why the 3rd inspection draw check had my deceased mothers name on it, which the LDD Rep. XXXX placed me on hold and then disconnected the call. Third call to FM XXXX I spoke at length with XXXX who informed me that their department never received any information regarding my mothers passing. 

I informed XXXX of FM XXXX that the death certificate was submitted to FM Customer Care Team ( FM CCT ) on XX/XX/XXXX. I submitted the death certificate again today, XX/XX/XXXX, as she sent me a link to their FM LDD portal. 
I sent emails with screenshots to the email address she provided me as she stated that their department doesnt have access to FM CCT information. I also forwarded to same email address the email that I sent to our FM LDD Processor on XX/XX/XXXX regarding the death of my mother and that the death certificate was submitted to FM CCT on XX/XX/XXXX with no response from the FM XXXX processor. 

She informed me that she would contact our XXXX processor via email to inform him of our circumstances and the re-issuance of the 3rd draw check. ( which typically takes 8-10 business days but as its a re-issue 3-5 business days to process ) I sent a follow up email to LDD processor today as well and included the email to him of XX/XX/XXXX asking him NOT to add my mothers name to XXXX draw inspection check. 

The check we received still had her name on it. 

We have been jumping through hoops since before my mother had passed and we are still having to jump through additional hoops as FM doesnt have a streamlined process to ensure timely and efficient service to their mortgage account customers. 

Now, I am communicating with a third department of FM, the Loan Assumption Team ( LAT ), that seem intent on hindering our online access until the loan assumption form has been notarized. 

Why must we go through this just to add my name to an existing mortgage account? I have read on the CFPB website that when a borrower passes away, the successor can be added to an existing mortgage account without refinancing or reapplying for a loan. 

We have been paying our mortgage payments even after XXXX XXXX XXXX and yet there has been nothing but issues with FM and their various departments. 

What should have been a simple task ( just adding my name to our existing mortgage account ) has turned into a frustrating nightmare. 

Freedom Mortgage has been good about placing blame on other external factors but not once have they accepted accountability and made efforts to correct their own shortcomings.
Product: Credit reporting or other personal consumer reports

I requested for my information not to be reported and they stated that per signed agreement it has to be reported. By law i have to be offered a opt out. No such thing was offered nor explained. They repeatedly call and pop up to my house. Call others and give them my personal information pertaining to my loan. The person that comes to my house takes pictures of my residence. They also never gave me a proper notice before reporting on my credit as well! My loan got behind due to being XXXX XXXX XXXX XXXX XXXX XXXX and my finances has changed.
Product: Checking or savings account

My account was being hacked starting XX/XX/2023 and I disputed them with my account chime and they denied me... I work hard for my money and someone hacked my account and my bank won't give me my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

This is to Synchrony Bank / Care Credit. 
I have a document I sent dated XXXX/XXXX/16 which disputes the collection and requested validation bearing my signature, showing that I ever had a contract obligation to pay them. 

After the 30 days there was no response of dispute on credit report. the account was sold to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} Medical XXXX Balance Owed : {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Checking or savings account

My account was closed with out any warning due to and overdraft. After paying off the over draft they informed me that Im not allow to have access to to my bank account neither would I be able to re- open it. Ive been with this banks for years and usually if theres any issues they would either send me a letter or a an email this time I was shut off with no information or warning.
Product: Checking or savings account

I opened a FREE savings account with Bank of America in XXXX. I just noticed on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I was charged an XXXX XXXX monthly service fee. I have had this savings account for 17 years and have NEVER been charged a monthly service fee before. I called Bank of America and spoke to a customer service rep, I asked why they started charging me this fee all of a sudden. I had NOT authorized any type of account change and I had not been notified of any changes. She told me the savings account required that I keep a {$500.00} balance. This had NEVER been a requirement before and I have never been notified I would have to meet this requirement to avoid an XXXX XXXX monthly service fee. The customer service rep researched my account and after 45 minutes could not tell me why I was never charged a monthly service fee prior to XX/XX/XXXX. She also refused to refund the two service charges. I asked to speak with her supervisor. When he got on the phone he told me the same thing as the customer service rep, there is a {$500.00} balance limit and he also could not tell me why I was all of a sudden being charged a fee that I hadnt been charged for the previous 17 years. He also refused to refund the two XXXX XXXX monthly service fees. I find it absolutely appalling that after 17 years of owning a FREE savings account, Bank of America can all of a sudden start charging me a monthly fee. I never authorized changing to a different type of savings account that WOULD charge a monthly fee. And Bank of America can not even tell me WHY or WHEN this change took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had  XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) 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 : XXXX XXXX Account # XXXX Amount : {$0.00}