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

Got a car from XXXX and bridgecrest. I was never able to register the car because of them. It became illegal to drive as they wouldn't send out new temp plates. I'm not risking or paying for an undrivable car. They repossessed and sold at auction. I wanted the car and their processes didn't allow for me to register it. Now they say I owe money
Product: Mortgage

I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX ACCOUNT OPENED XX/XX/2015 {$11000.00}
Product: Checking or savings account

I was harassed by a traffic police in XXXX near their town hall. I was riding an XXXX motorbike. My mother had a house in XXXX XXXX and i used to stay with her. I had all my cash money in wellsfargo and XXXX accounts and relaxing and i visited a suspect XXXX XXXX because he used to drop into XXXX XXXX who had some homeo dispensary in XXXX asked me for a lift, When i arrived at XXXX he was standing outside and he asked me a lift to XXXX XXXX XXXX XXXX XXXX  and near the town hall there was some procession and i stopped the bike for the queue to give me way. This criminal XXXX  a look alike of XXXXr and some worker in XXXX XXXX XXXX XXXXXXXX XXXX a cousin waved at me and rudely asked me to stop the bike. I waved at the criminal back and objected to him and the criminal attacked me caught my jeans and threatened to attack me and charged me for not carrying a pollution certificate. I had to use services of another suspect XXXX XXXX some lawyer that visits XXXX XXXX ashram because a suspect XXXX used to visit my mother. XXXX XXXX did not charge the cirminal XXXX  for attacking mejust paid the fine. I was uncomfortable relaxing in XXXX and lost a year of rent staying in XXXX, i had to buy car and furniture and sell it back and thats the crime. I was not paid my capital to continue staying there. 
The XXXX corporate paid the money to XXXX for them to mail me some statement in which they stated if i become XXXX i would get XXXX dollars a month. I demand this money given to me with all interests. The usa govt does not have any right to take my money from XXXX and send me a statement and make me expend all my money looking for jobs. I was not employed in retreat centers like XXXX or XXXX or any other kind.
Product: Debt collection

I noticed that I have a paid collection from LJ Ross Associates and I have no knowledge of any paid collection or this creditor. I did not receive any notification that this debt belonged to me nor do I have any knowledge of an account I have had with this company. There was no action taken since I did not receive any notification about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, XXXX & Equifax : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. 
Despite my submission, Equifax responds within 12 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Other agencies have already removed account. 
Below is the account that should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Account status : closed
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of XXXX accounts on my credit report : XXXX XXXX and XXXX XXXX XXXX. I have provided police reports proving that these accounts are fraudulent, yet they have not been removed from my credit report. According to federal law, these accounts should have been deleted within XXXX days of receiving the police reports. I am requesting the immediate removal of these accounts from my credit report as required by law. Failure to do so will result in further action.
Product: Money transfer, virtual currency, or money service

I placed a wire transfer of {$25000.00} at XXXX XX/XX/2017 from my bank, XXXX XXXX XXXX , to Coinbase Inc , who instructed me to transfer it to their account with Metropolitan XXXX XXXX . 

Routing Number : XXXX Account Number : XXXX Recipient Instructions : XXXX As of this moment, the amount has not been credited to my XXXX account with Coinbase. I have opened a ticket with their support team and received no response. I have tried calling their support phone number and the phone was never answered. 

Case # XXXX This appears to have happed to several other people. 
XXXX XXXX  XXXX
Product: Credit reporting

I found 2 addresses on my credit karma report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As 1 address is in a state I 've never even visited..
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Here is the breakdown of the discrepancies : XXXX : Shows no late payments. 
XXXX : Shows one 30-day late payment.

TransUnion : Shows two late payments ; one for 30 days another for 60 days This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities.

Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

Furthermore, Transunion does not show any data for the year 2018 but the two late payments which is a shady business tactic due to those being the only negative information reflected that year. They purposely did that as well as XXXX only showing one late payment for the year but no other available data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.
Product: Credit card or prepaid card

I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX  assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault I had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent numerous hours and disputes to try and get Transunion to correct negative accounts on my credit report that   XXXX   already has corrected. I did not have near the problem with  XXXX , that I seem to be having in getting Transunion to correct. There are accounts that are suppose to be deleted, as well as accounts that are duplicates
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

XXXX - XXXX - {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked equifax to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Equifax also didn't produce any documentation proving that I indeed owed the debt. 

The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX/XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Product: Consumer Loan

My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.
Product: Consumer Loan

On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.
Product: Mortgage

I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.
Product: Credit reporting

My late husband had a credit card with XXXX XXXX XXXX and when he passed away I called them and what they did was turn the account over to me. I have never signed any papers saying I was on this account. When I would try to get infomation for my husband he always had to come to the phone and give me the ok to ask them questions that my husband had about his account. I asked XXXX XXXX XXXX to show me where I had signed any papers and they told me it was too long ago and they didnt have any records. They are runing my credit and I feel this should be taken off my credit reports. Thanks XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. THE WHOLE ACCOUNT NEEDED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Vehicle loan or lease

Auto loan with Wells Fargo went into default after 2 months behind on payments due to a car accident and the bank refused to defer payments. The car was repossessed and a balance was charged to me that was more than what was even owed on it. Its now being reported on my credit report. About the lawsuit with Wells Fargo, I believe this should be included.
Product: Debt collection

After Looking at my credit report i noticed Hunter Warfield inc is trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i ever entered any agreement with them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and Transunion. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

I tried several times to obtain my credit report from both Equifax and XXXX XXXX. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. Equifax and XXXX XXXX are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me immediately.
Product: Credit reporting or other personal consumer reports

I have incorrect information on my credit report - should of been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company PHH reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So Phh mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Product: Debt collection

I have a debt collection from copio partners from a medical facility I havent received anything at my home address XXXX XXXX XXXX XXXX XXXX, tx, XXXX in the mail just showed up on my credit score tried to dispute it as hippa violation as it was shared medical history but it had yet to be removed or even notified about it no phone call was given to me at XXXX about it either so I didnt even know about it or know I needed to dispute or that I could dispute cuz I didnt know it even existed