23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My care was stolen on  XXXX / XXXX / XXXX  and when it was found on  XXXX / XXXX / XXXX  it was considered a total loss by the insurance  adjuster  with the insurance company  (   XXXX  ) .At the time of my lost I owed {$21000.00}. My insurance company  (   XXXX   )  paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection  XXXX   XXXX . I received a letter in  XXXX   XXXX  stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but  pay this remaining balance. I called GAP with  XXXX  spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company  (   XXXX   ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company (   XXXX   ) p aid Santander  XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of  XXXX / XXXX / XXXX  the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the  XXXX   XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.
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. XXXX XXXX : # XXXX XXXX XXXX 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 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: Vehicle loan or lease

To begin with, none of the categories fit my problem. 

My deceased husbands car was financed by Capital One. I called today to pay it off, but, after speaking with several reps of the Estates Department over a 6 week period, now, on XX/XX/XXXX, I was advised by a rep to first find out what the requirements were for retitling the car in my state. One of the documents the Maryland DMV requires is a letter from the lienholder giving me permission to retitle the car in my name. Capital One says it does not provide such a letter and the Maryland DMV will not waive the requirement of that document.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation for the account ( XXXX ) listed below. I submitted sufficient information for you perform a reasonable investigation of my dispute. 
Unfortunately, you neglected to conduct a reasonable investigation. If you had investigated properly you would have removed the accounts. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to re-investigate the following accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to initiate an investigation regarding my dispute I will to take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. 
Kindly comply. 
Regards
Product: Mortgage

this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX
Product: Debt collection

Although there is no balance, Credence clients report past due amounts for collection. 
On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.
Product: Vehicle loan or lease

The bank is Fifth Third bank. I have been trying to set up auto-billpay for 3 months now. I thought it was set up in XXXX when I worked with an agent in the auto bill pay department and enrolled. I expected my loan payment to be auto debited from my checking account for the XXXX loan payment. Instead I got a call from Fifth Third collections department 5 days after the payment due date. Again, I paid over the phone, but the guy I talked to said it takes 2 to 3 months to activate auto bill-pay ( which I knew was soundly incorrect ). My XXXX payment was also not debited from my checking account, and I talked to 5 different people today to resolve this, 2 of them being " managers. '' I heard a different story from each one of them as to why my bill pay is not active. Again, I paid my payment over the phone. I have never heard of this bank and plan to shop for a different lenders. Some of the reasons they gave were absurd, but all of them different. They definitely do not have their ducks in a row. The only thing I could think of for not setting up auto billpay immediately, this is a way to collect additional late fees or something. I worked as an XXXX XXXX a financial institution and knew what they ALL told me was garbage. So I told them I was filing a complaint today with the CFPB.
Product: Credit reporting or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certainly requested my free annual credit reports from the XXXX major credit bureaus, XXXX, XXXX and TransUnion. Upon going over every detail of the XXXX reports from the XXXX bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since 2018. Why are they tracking my movements for such a long time on my credit file?
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, Pa Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Regarding Wells Fargo, My Mortgage Provider Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo XXXX my mortgage provider, regarding their handling of my mortgage account. I am deeply concerned about their lack of transparency, communication, and potential mismanagement of my account following my exit from the XXXX forbearance program. 
On XX/XX/2023, I received a letter from Wells Fargo stating that, during a review of my account, they had identified potential errors in recording whether the contractual mortgage payment should have resumed after my exit from the XXXX forbearance. The letter further mentioned that they may not have provided me with the most suitable payment and term options. While they included a {$200.00} check as a gesture of goodwill, this amount does not adequately address the gravity of the situation and the potential financial consequences it may have for me.

Feeling concerned and confused, I immediately contacted Wells Fargo to seek clarification and further information. Unfortunately, the representative I spoke with was unable to provide me with any substantial information. Instead, I asked that she mail me an arbitration form, presumably as a means to resolve any disputes. However, to my dismay, I have yet to receive the arbitration form despite a significant amount of time having passed since our conversation. 
This series of events has left me deeply troubled and worried about Wells Fargo 's actions and intentions. Their failure to communicate effectively and in good faith, as well as their inability to address my concerns adequately, leads me to question their commitment to resolving this matter fairly and transparently. 
As a customer, I believe it is my right to be kept informed and receive timely and accurate information regarding my mortgage account. I also expect Wells Fargo to act in good faith, addressing any errors or inconsistencies promptly and providing suitable resolutions that align with my best interests. 
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Wells Fargo to ensure that appropriate actions are taken. I also urge the Bureau to hold Wells Fargo accountable for their lack of transparency, poor communication, and potential mismanagement of my mortgage account. 
Enclosed with this letter, please find copies of the letter I received from Wells Fargo, as well as any other relevant documents that support my complaint. 
Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring fair treatment by Wells Fargo. 
Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to once again dispute false items in my Experian credit report. I have disputed the false accounts on my Experian report multiple times, both directly and through the CFPB. I hope that this letter finally gets to the right person. 
I am and have been in the past a victim of identity theft. I do not know if all or some of the false accounts in my Experian report are due to that or if you are mixing me up with someone else. In recent phone calls with Experian, I was told that my account was with the " mixed '' department. I have no problems at this point with XXXX or XXXX XXXX reports. It is only Experian. I am enclosing both an FTC Identity Theft Report and local police report, so hopefully, this time, you will please believe me that the accounts are not mine. This has destroyed my credit and stressed me to the point that I can not sleep at night. Please fix this.

Im going to file this complaint one last time and ask and demand that experian fix and resolve this issue and matter, Im in the process of hiring legal counsel to assist me with this problem and if this issue is not addressed by experian I will file a law suite this is my last request to experian, I have sent information after information, I am a victim of identity theft and experian needs to take seriously, This account, XXXX XXXX is a fraudulent account it was open in my name I did not open this account, this is making it easier to file suit against experian, I want this account removed immediately Im sending a police report and a ftc identity theft affidavit along with a letter from an attorney nor removed this account XXXXXXXX XXXX or be sued, this lawyer can get me six figures, all Im asking is for this account to be removed from my report, Im tired of being hung up on and constantly transferred, I have several of yalls reps recorded and found out that my file has been in the mix department this whole time and experian is ignoring the fact that I am a victim of identity theft, they have removed the other accounts from my file because I have provided a police report and the information to remove those accounts, ether remove that account or Im going to sue this company for damages, this is my exact last request and demand from this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation Under 15 U.S.C. 1681 Dear Experian, I am writing to formally dispute the accuracy and validity of a debt that has been reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that Experian provide verification and validation of this alleged debt. The specific account details are as follows : Creditor Name : XXXX  Account Number : XXXX Amount Reported : XXXX Date of Report : XX/XX/year> In accordance with my rights under federal law, I request the following : The name and address of the original creditor associated with this debt. 

Documentation proving that I am legally responsible for this debt. 

A copy of any contract, agreement, or signed document that establishes my obligation to pay this debt. 

The method by which Experian verified this information with the creditor. 

Evidence that Experian has conducted a thorough and reasonable investigation in compliance with the FCRA. 

If Experian can not verify the debt with proper documentation, I request that it be immediately removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 5 ). 

Please respond to my request within 30 days as required by law. Additionally, I request that all correspondence regarding this matter be sent in writing to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I provided XXXX insurance at time of service on both accounts. After receiving multiple voicemails and letters I found out the facility never billed XXXX and disputed the charges with the collection agency. They failed to show my dispute with the credit bureau or to bill insurance now
Product: Mortgage

We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX.
Product: Credit card or prepaid card

I have a charged off account with XXXX XXXX about delinquent payments, I contacted them prior to the late payments and explained my situation. I applied for the card a week after I turned XXXX, which is also 4 weeks after I had my XXXX and XXXX  child. I told them I was struggling hard being only XXXX and a single mother. I explained that I wasn't able to pay and they refused to work with me. I'm XXXX now and I emailed the CEO once again, 5 times again before I gave up. tI recently emailed the CEO of capital one, About 3 weeks later I got a response in the mail saying they refused to help me. I begged him for a second  chance. I'm young and I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX Account # 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
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for a method of Verification ... 
Experian did not investigate or show any documentation proving that the negative information on my report belongs to myself. 
They continue to use the XXXX XXXX system that is not a sufficient form of verifying.
Product: Debt collection

XX/XX/20 I received a call from your Midland Credit Mgmnt, a debt collector. XXXX stated it is a XXXX XXXX visa account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact XXXX XXXX 
The same day, I contacted XXXX XXXX and sent them a letter and to this date, have not heard back. 
Mid-XXXX, I received another call from MCM, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at MCM. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.
Product: Debt collection

Identity has been fully stolen and used. Fraud has caused multiple fraudulent accounts to be opened.
Product: Credit reporting or other personal consumer reports

I initiated a dispute for two in accurate information of my credit report with two counts. 

XXXX XXXX XXXX This account is not past due and has been paid up to date. They updated after my request to show XXXX from XXXX XXXX  reported this and it should be deleted off my credit report. 
XXXX XXXX Also reported as a charge off account when it's been paid off and ok times. This was worked and agreeed, I requested a copy of the contract signed by myself and was not given to me. This should also be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth
Product: Credit reporting or other personal consumer reports

Company is selling and reporting inaccurate information ( which has now been updated in everyones ( credit bureaus system ). Company still has not provided original contract for loan and hasnt sent any notices of changes or process of repossession. Im not aware of anything concerning vehicle.
Product: Debt collection

Back in XX/XX/2021 I started receiving collection notices from Receivables Performance regarding a debt I claimed to owe. I contacted the agency in XXXX of 2021 to ask for a validation of this account. I was told they would send this information to me. I never received the information and they have since then added this information to my credit bureau files. I disputed the information with XXXX and informed them that I never received any documents pertaining to this account. XXXX recently notified me that Receivables Performance has reported this information as being accurate without providing me with the validation I requested. This information is still on my credit report.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.