23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an insurance claim with the loss of a vehicle. I made all payments on time. I was able to make a payment XX/XX/XXXX, of XXXX tried to make my monthly payment in XXXX of XXXX  and was forward to a collection agency. The collection agency informed me they now have my account. I was not informed this account has been transferred to a collection agency in XXXX of 2XXXX  The collection agency is Michael Andrews and Associates LLC 8XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized REPRISE FINANCIAL Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Im seeking my remedy from Santander Consumer Use pursuant to 15 usc 1681n ( a ) ( 1 ) ( b ) since this inquiry has been removed and they are guilty of their fraudulent acts.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Mortgage

Ive been applying and reapplying for loss mitigation with Freedom Mortgage., Ive sent over a dozen loss mitigation packets since XXXX of XXXX, I feel that there loss mitigation maybe a scam. My account was noted national emergency declaration,. Now its back to being delinquent. I was told I had 3 loan modifications already I told them Im a new 1st time home owner. Ive paid my mortgage every month up until my financial loss of XX/XX/2020 in which my mortgage payment became sending in loss mitigation packets. My freedom mortgage loan # is XXXX my FHA case # XXXX. I thought after freedom mortgage apologizing for mixing file up with someone else file about 6 months I thought things would go smoother., I was wrong.
Product: Vehicle loan or lease

my deposit of XXXX never wen towa my car my down-payment and then i tried to pay the car off and they denied my payoff then repossessed my car
Product: Mortgage

My lender did not process my loan with reasonable diligence and in good faith. 

1. The lender did honor rate lock of 4.25 %. on loan estimate. Closing disclosure sent to me shows 4.25 %, however at closing APR was 4.5 % 2. Lender paid {$420.00} for Appraisal ; however I was charged {$550.00} at closing. 

3. I pre paid {$690.00} Hazard Insurance for 12 months before closing, however I was charged {$690.00} at closing for 12 months of insurance.

4. I was charged {$250.00} Realtor Transaction Fee at closing. The closing disclosure I was provided before closing does not show this fee. At closing I was required to pay this {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This 1099 shows H & L cancelled the remaining debt of {$6200.00}, yet H & L is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.
Product: Credit card

On XX/XX/XXXX I took my vehicle in for service at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The repair facility agreed to repair the " XXXX '' on my XXXX XXXX XXXX. After I recieved the vehicle back, the brake pedal kept malfunctioning and going all the way to the floor. I returned the vehicle to them for follow up on 2 seperate occasions and the problem persisted rendering the vehicle unsafe to drive. After receiving no repsponse from the facility management I disputed the charge with my Capital One Credit Card, they declined my dispute and held me liable for charge of {$1700.00}. As of the writing of this leter, the vehicle is unsafe and undriveable. 

I dispute the decision of Capital One not to affirm me dispute and want a full credit of {$1700.00} returned to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They Did Not Do This.

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal.

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted onXX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX that was in my dealer ship witout my knowledge XXXX  backgrounds miscellaneous apple card bank XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Money transfers

To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

XXXX XXXX Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX  Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU
Product: Debt collection

I recieved notifications stating I owed on some past due medical bills from Credit Management Control , Inc on XX/XX/22. From information I gathered I believe they are breaking the law by trying to charge me interest on these past due medical bills in which they are not the original debtor? For example one bill is {$870.00}, and they added " unposted interest " in the amount of {$110.00}, and claims I now owe them {$990.00}. They are charging interest on four separate bills totaling {$330.00}!
Product: Credit card

I've consistently managed timely payments on this account, ensuring they never become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, any billing errors should be corrected.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off the account in XXXX of 2021 and the account status has not been updated on several credit reporting agencies to state that the account has been paid off. The status is showing in charge-off/collections and not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed various items on my XXXX, Transunion, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Product: Credit reporting or other personal consumer reports

Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and XXXX XXXX XXXX Transunion has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review XXXX is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

XXXX also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via XXXX until 10 days later and when I spoke with XXXX regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from XXXX was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at all!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : TransUnion XXXX {$660.00}, XXXX : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : TransUnion : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXXXXXX XXXX  : XX/XX/XXXX XXXX Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30 days late ) and XXXX ( 60 days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital One has held two of my checks that were direct deposited and they were supposed to fix the issue by Friday XXXX. Now its a holiday weekend and Ive got no money for days and payments have been rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both XXXX   and TransUnion have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied XXXX XXXX, and TransUnion in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX who verified the information as accurate. In my credit reports from Trans Union and XXXX, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$680.00} XXXX  XXXX XXXX  RAN THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT HAVE BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECT. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECEIVBED A 1099-C CANCELLATION FORM FROM THEM AND BECAUSE OFTHAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD SHOW A XXXX BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Equifax a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 2 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Clearly, federal law requires Equifax to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.
Product: Credit reporting or other personal consumer reports

Transunion I sent documents that the public record eviction was withdrawal by court it didnt belong to me mistaking in identification I want the eviction removed as soon as possible its affecting me and XXXX and Transunion is showing in accurate credit score they have a bunch off soft pull and inquiries that I didnt do I havent been running my credit and will like them to fix and update my credit XXXX as well they will take XXXX points off and when ur improving or paid something off they give XXXX points verse the XXXX they took off its not fail and there abusing the points not I want my credit score to be back to XXXX where I was I havent applied for any credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these creditors are deleted oon other accts.XXXX  should delete
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/20 I received a call from CONVERGENT on behalf of XXXX XXXX Phone # XXXX.They asked me for my Social and when I refused they then ask for my PIN # for my XXXX acct . I refused that as well as XXXX has inform me to never give that info out. The call said that she would not be able to give me any info if I would give verify acct. I don't not have an account with Convergent. I do have an account with XXXX and I called them and all my accounts are paid and up to date. I also have not received any documentation in the mail from this company. I asked the call to mail me a debt verification and she said she had to end the call now.
Product: Debt collection

Already settled issues with Rash Curtis over XXXX XXXX XXXX XXXX Ca it was found that the bill was paid since I have medical insurance all I owed was a deductible which was {$100.00} and I paid that to Rash Curtis and associates now they have filled again for the same issue and have damaged my credit over the same issues had to resolve issue due to myself buying a home time was XX/XX/2019 when it was resolved the first time spokes with a supervisor name XXXX and an employee named XXXX