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

Prior to XX/XX/XXXX, Capital One listed one account on all three of my credit reports in Charge off status, as payments has ceased in XXXX of XXXX. I had initially attempted to engage with a debt consolidation company to help manage this account, but this was unsuccessful. In XXXX of XXXX, I called Capital One to discuss options to settle the account and remove the negative reporting from all three credit bureaus. At the time of our negotiations, the only negative report on this account was the charge off status. Capital One agreed to settle for less than the full balance and change the account status from " charge-off '' to " settled for less than full balance. '' Capital One sent letters to all three bureaus in XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At the time of this complaint, XXXX and XXXX  continue to report my account status as charge-off and has only added a comment stating that the account was settled for less than the full balance - as such, this report continues to be reported to lenders as a charge-off account. Furthermore, XXXX  has added 4 late payments, 24 charge-offs, and 1 negative report to the account - as such, XXXX  continue to report to lenders 29 total negative reports in relation to this account, which is inconsistent with previous reporting, and inconsistent with the settlement agreement between Capital One and myself. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, which led to Capital One sending a letter to all XXXX agencies dated XX/XX/XXXX requesting the remove of the negative reporting. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, because the negative reporting remained, which led to Capital One sending a letter to all 3 agencies dated XX/XX/XXXX, requesting the remove of the negative reporting.
Product: Vehicle loan or lease

I called on Tuesday, XX/XX/2019 and requested a deferment ( XX/XX/2019 and XX/XX/2019 payments ) due to a financial hardship. I spoke to a lady and she read the deferment agreement and informed me of my pin number, XXXX, and informed me that I would be emailed a deferment acknowledgment and I need to acknowledge within 24 hours as the pin expires. 

I received the email on Wednesday, XX/XX/2019 and I completed the acknowledgement from my mobile device and I landed on the " Document Acknowledged '' page. 

On XX/XX/2019, I received an alert that GM reported my XX/XX/2019 payment late. I called on XX/XX/2019 to figure out why, and the representative stated that the deferment was abandoned. I was confused as I completed the acknowledgement on my phone and that is when she informed me that I couldn't use a mobile device. She said that she would have to reset it up. 

I received a new pin, XXXX, and I completed the acknowledgement again, this time, on my laptop. 

I am requesting my credit is updated to current as this is an UDAAP violation as I was not informed that I could not use a mobile device on XX/XX/2019, nor when I completed the acknowledgment on XX/XX/2019 was I notified that it was not successful, therefore, misleading me to believe I completed the deferment successfully. 

Please call me at XXXX or email me at XXXX to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Credit Acceptance Account # XXXX, 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

they fail to prove that the infromation is accured
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I found that account XXXX was reported on my consumer report with the status of closed and a balance of {$450.00} but, this account is shown to be charged off as a loss for the company. I have not received a XXXX, since this is now income. The collection company is still attempting to collect on this debt. The balance of this should be zero.
Product: Debt collection

I mailed the attached letter to them 3 times and have verification that they have received it. However, they have reported the debt on my credit report and they have refused to contact me via mail as I have requested in the letter. They have not contacted me at alI after I mailed this letter. I would like to report them for unfair credit practices.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, 845 written off. {$9.00}, 718 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 39 Months On record until XX/XX/XXXX I requested XXXX forms that they filed for the charge off reporting on my consumer report. I need copies or proof that 1099 forms were not filed. I also request a copy of the contract. If no 1099 forms were filed i request the charge off be removed. i will be filing a 1099 OID, a 1096, a 1099B form and a 1099a to properly assess the taxes and will send copies to the company for IRS reporting. i also request that my down payment be returned to me. In accordance with the TRUTH IN LENDING ACT that the dealership participates in, when dealing a consumer transaction there is not to be any cash or finance charge involved. According to XXXX XXXX XXXX their should not have been any downpayment. No cash should be involved in a consumer transaction. i also was not informed that insurance could be included in the finance charge according to XXXX XXXX XXXX. This info was not disclosed to me. i will rescind the credit consumer transaction if need be by sending a rescission letter to the registered agent o the dealership and the bank and seek damages under equity in arbitration or court. i also will be conveying legal title of the property into my private foreign grantors based solely on equity, making it trust property. also no lien is on file in XXXX XXXX lien search, according to law no security interest is perfected without a lien means no debt exist. i also request proof of perfected security interest by providing proof of a lien. i also request to no if the contract was securitzed. i also request the indentured trustee banks name address phone number and the trust representative contact info.
Product: Credit card

I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX the XXXX XXXX was repossessed by Prestige Financial Services. PFS sent me a letter to an address I have never resided in, regarding the XXXX XXXX. Once the letter reached me it stated the car would be sold at auction on or after XX/XX/XXXX. I received no further communication from PFS regarding the car. Prestige Financial Services in the beginning of the repossession reported the car to the credit bureaus as a repossession as of the last credit report they have reported the car as charged off due to natural disaster. They have also reported the car as late payments every month for more than one year to date, and has listed the amount of the original loan plus interest as what is owed on the loan. I a request of document proof of what was owed on the loan after the sale of the vehicle with a fourteen day deadline for receipt of said documents and to have the information removed from my credit report, PFS sent to me via USPS, a copy of the letter from XXXX in the mail with a letter of refusal stating after their investigation they are within their rights to continue to report this information on my report, no other documents were received from my request. Texas repossession laws required the lender to provide documentation without request after the sale of the vehicle to show proof of monies received for repossessed vehicle. If documents are not produced the lender has invalidated their claim to any remaining sums owed on loan. I made a call to PFS on XX/XX/XXXX and spoke with XXXX who informed me I needed to speak with my account manager who was gone for the day, I was transferred by XXXX to the account manager team members where he also informed me one of them would be able to assist me or if they do not answer to leave a message for a return call. I left a message and to date no return call has been received. Below I am attaching my letter to PFS and their response letter.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report, and I noticed fraudulent accounts on my report. please remove these accounts from my credit report, they are hurting my ability to obtain
Product: Credit reporting or other personal consumer reports

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX Late XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX XXXX REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX EXPERIAN. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX EXPERIAN AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUSTEE.
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX ) in XXXX of 2021 saying they had a client who wanted to purchase my timeshare at XXXX, XXXX XXXX, XXXX. I agreed to sell. The broker then said the escrow company that they deal with would contact me. I was contacted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ). They told me I needed to pay the transfer fee that the resort requested to do the paperwork. They said to wire the money to the company that they deal with in XXXX ( XXXX XXXXXXXX XXXX XXXX  XXXX ) who had a Citi bank account in New York. Once I had done that, then they said that since XXXX started taxing transfers, I needed to send money to cover the taxes. Then I was told I needed to submit the brokers fee. Then I was told that Citi wouldnt release the funds unless a penalty was paid because the trust account was past the original time frame. I refused to pay that fee and requested that the deal be cancelled. They are now saying that I need to pay {$4000.00} more to cancel before they will refund my money. I feel this is a scam that was done using Citi bank. I would love to have my funds returned to me if possible. I have the wire transfer instructions and documents that were sent to me from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information appearing on my TRANSUNION credit report under XXXX XXXXC. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that this fraudulent account be blocked and permanently removed from my credit file. 
The following account has been fraudulently reported and must be DELETED IMMEDIATELY : XXXX XXXX XXXX Account Number : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request. 

I have made multiple attempts to resolve this issue directly with TRANSUNION, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for this account, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of this fraudulent account, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of this account. 
I expect written confirmation of the removal of this fraudulent account from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. 
Thank you for your prompt attention to this urgent issue.
Product: Vehicle loan or lease

I purchased from Audi of XXXX due to the competitive pricing and mutually agreed- upon terms. At the time, I was a resident of Missouri, so I booked a flight to collect the vehicle. Upon arriving at the dealership, I inspected the vehicle thoroughly and met with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Manager, XXXX XXXX. 

Having leased several vehicles in the past, I have made it a point to clarify specific terms. I inquired about any prepayment penalties, to which he responded negatively. I also asked about the protocols in the event of an accident and was informed that I would need to restore the vehicle to its original condition. Additionally, I sought clarification on weather I would be liable for any remaining lease payments should I choose to trade in the car after one year, and again, his answer was no. With this understanding, I proceeded to sign the documents. 

I took possession of the vehicle on XX/XX/year>, and drove it back to Missouri. One year later, having received a promotion that necessitated increased travel, I decided to trade the vehicle. To my astonishment, I learned that Audi was imposing penalties and requesting me to pay the remaining lease payments. 

I was taken aback and know the XXXX XXXX XXXX Manager had committed fraud Misregistration with the contract. I would have not signed the contract if I had been fully aware of the fees. The dealerships actions represent a significant violation of the lease agreement, which constitutes a breach and provides me with legitimate grounds to terminate the contract.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to purchase a house or do anything with this inaccurate information on my report. Please remove these as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX, my checking account suddenly had three unauthorized international wiring requests in the amount of {$970.00}, {$980.00}, {$950.00} to bank in XXXX  XXXX XXXX recipient address located in XXXX XXXX As soon as I received the email notice of the above wire transfer, I called Chase and filed a claim for the regarding unauthorized transactions. One of the three wire transfer ( {$970.00} ) was successfully reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent me a letter and told me that my claim was denied because the wiring transfer was authorized or I received benefit from the wire transfer.
Product: Credit reporting or other personal consumer reports

this is notice I've filed multiple disputes with Experian to remove invalid account information from my credit file, Experian has never corrected the issue, they now have an account the identical reporting the same. I want to go into arbitration, Experian has violated the fora.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Checking or savings account

I put it into writing to both cfpb and bank of america that I wanted the account closed in XX/XX/2020. Since then I have been billed {$48.00} in fees {$24.00} of which have been removed. This XXXX XXXX  incompetent at the bank says all kinds of things and never performs any. Now I get a letter saying they have " forced closed '' the account and there is still a {$24.00} balance. If these idiots didn't know the account was to be closed how come the previous {$24.00} was removed? I wouldn't trust these bunglers with lunch money and you government people let them get away with it.
Product: Checking or savings account

Beginning on XX/XX/year>2024 SoFi Bank begun rejecting the direct deposits I receive for my child. The payment on XX/XX/XXXX was for {$3600.00}. That same payment was rejected a second time, because they attempt to send payments twice. 
On XX/XX/year>2024 they again rejected the payment for {$470.00}. On XX/XX/XXXX they rejected another {$470.00} payment. I spoke with XXXX XXXX, and SoFi, SoFi claims the payments were tagged as " business payments '' instead of having the XXXX tag. XXXX XXXX confirmed they do not send payment tagged as business. XXXX XXXX attempted to send all 3 payments, {$3600.00}, {$470.00}, and {$470.00} again on the XXXX XXXX XXXX, 2024 and again SoFi rejected the payments.

SoFi refuses to help resolve this issue, and continues to blame the XXXX XXXX XXXX XXXX. This has caused me severe financial hardship. 
I spoke on the phone with SoFi 3 separate times, and their " back office '' emailed me saying again that they can not accept business payments, but refused to speak with me further claiming the issue was out of their hands. 
I have spoken with XXXX XXXX 4 separate times, with one agent telling me she has encountered this issue with someone else and SoFi. This other person was able to eventually resolve it by signing some document with SoFi, but I have not been offered any resolution. I was advised to switch financial institutions. 
Prior to XX/XX/XXXX I did not have any problems with my direct deposit being rejected.
Product: Credit reporting or other personal consumer reports

This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
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: Credit card

I have a discover credit card that I had missed payments .I was put on a XXXX  month payment plan which I completed in the month of XX/XX/year> XXXXmy account credit has been frozen I can not use any of my available credit. I checked discover website I cant find anything on their website that states My account will continue to be frozen after completing their program.Last year I was able to use my cash back deal and thats it. I believe that this is a form of discrimination.
Product: Credit reporting 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. Account number XXXX Account name XXXX XXXX  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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. 
15 U.S.C. 1681B ( 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 incorrect