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

XXXX and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX  XXXX account. My balance for XXXX  XXXX was report as a XXXX $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements
Product: Debt collection

I broke my leg in XXXX of 2014 and was uninsured ( and I still am uninsured since I am old and retired ). I was on a payment plan for the bill with XXXX for {$50.00} a month which was automatically removed from my account once a month. The plan was disrupted without my knowledge and nothing was ever mailed to me to notify me nor was a called on the phone about the issue. I recently started receiving calls from an XXXX number, which I called back and it is a collections agency called Argon and they said my bill is {$5000.00} and I need to pay it in full. I can not pay this since I am retired and my social security is only {$900.00} which all goes toward my living expenses. I called the hospital and they won't help me. They told me to call the collections agency and work it out with them. No one is willing to help me. What can I do? I don't have any money to pay this large bill and the problem is I don't remember it ever being so high. I was not sent any bills or itemized statements for this so I am at a complete loss as in next steps. Please help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.
Product: Credit card or prepaid card

Capital One I reiterate my concerns about disputes and rebilling when done, no explanation I try to go thru cfpb because site has no email to Capitral One and no way to dispute except by physical snail mail When a credit is given, maybe two months l ; ater often a rebill of the amount is charged and no explanation whatsoever Here is prime examples XX/XX/XXXX credit $ ( XXXX ) and rebilled same month?? WHY?? 
XXXX XXXX {$14.00} rebilled for credit given on XX/XX/XXXX transaction date {$14.00}, why?? 

Capital strategy is rebill without explanation after few months in hopes customer forgets and does not t notice rebill I hope Capital becomes more oriented to customer otherwise I will use my other credit cards that communicate well, file disputes DIRECT and can see statements on line going back a year or so Capital only allows the present month statement to be viewed on line, all previous statements are blocked from viewing, WHY??
Product: Mortgage

Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months XXXX XXXX
Product: Debt collection

I was told the original creditor is frontier. I contacted frontier and they can't give me any information on this account other than a phone number that is not mine! I asked if it could possibly be an old roommate that use to rent from me and they have no ID on file or anything! Ive disputed this account with credit collection services numerous times and which they can't either. Neither company has made any attempts to verify who really owns this debt and it's messing up my credit as for this is the only thing on my credit report that is bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding my consumer report. Pursuant to 15 USC 1681i, Experian is required to provide me with a description of its reinvestigation procedure and the reinvestigation is not to exceed 30 days. I request that the results be submitted the CFPB and not mailed to me. The description must include : ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 
... ... ..It has been over 30 days since my complaint XXXX was submitted and I have not received the reinvestigation results. Previous Complaint : I have previously disputed alleged accounts for XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX and Department of Education however, Experian alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Experian, XXXX nor any creditor can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2. Department of Education 3. XXXX XXXX 4. XXXX  XXXX Bank 5. XXXX 6. XXXX XXXX 7. XXXX XXXX 8. Department of EducationXXXX XXXX . Experian must edit the reporting for the XXXX XXXX Bank account and report as closed by consumer and adjust all late payments to show as paid on time/paid as agreed. Also report the balance as paid in full for the XXXX XXXX Bank account. I also confirming that the late payment reported by XXXX XXXX is inaccurate and must be deleted and reported as paid on time/paid as agreed.
Product: Credit card

I am a victim of ID theft starting around XXXX  and I found out earlier this year. There are several accounts listed a XXXX  including an XXXX XXXX XXXX, XXXX XXXX XXXX, as well as a XXXX XXXX XXXX card that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Product: Vehicle loan or lease

My husband and I had located a Certified Pre-Owned vehicle of interest through internet searches at XXXX XXXX. Since we live 5 hours away from this dealership, we were communicating with XXXX XXXX and XXXX through email and phone calls to further qualify our interest and the condition of the vehicle. We had numerous phone calls, emails, texts with XXXX over a 2 week period. On Monday, XX/XX/XXXX, we told XXXX that we would make the trip to look at the car that Saturday, XX/XX/XXXX. We asked if we could place a deposit on the vehicle so that they would hold it until we got there. She said no, that the manager would not allow it since it was the end of the month. XXXX called us on Wednesday, XX/XX/XXXX to inform us the vehicle was still there. She sent us some additional pictures, paperwork for credit applications and a credit card authorization form to obtain a deposit. She said it was to minimize our time in the dealership since we'd be traveling such a distance to get there. We submitted the completed paperwork on XX/XX/XXXX. That day, my husband 's credit score was pulled twice. Then on Saturday, XX/XX/XXXX, both of our credit scores were pulled two additional times each, for a total of 6 inquiries in two days. This was especially surprising since XXXX was aware we had an established, perfect payment history with XXXX XXXX from a different vehicle purchase earlier this year. During our multiple conversations with XXXX over the two weeks prior, we had expressed our interest in financing through XXXX XXXX with this purchase as well. Therefore, negating the need for any credit pulls whatsoever, as XXXX XXXX can approve a credit application without a credit inquiry. 

When we arrived at the dealership, not only were we upset at the unnecessary credit inquiries, we also found the car to be in unsatisfactory condition. This was advertised as a Certified Pre-Owned vehicle, yet 3 of the 4 tires needed to be replaced. One had a plug in it, and two more were at the wear bar. We were told by XXXX that there was nothing to be done since the service department had already closed. There were also very deep scratches inside the vehicle in the backseat. None of these significant details were provided to us in any of the prior conversations we had with XXXX, nor did any of her pictures portray this damage. Given our extensive research on this specific vehicle, time spent with XXXX during the two weeks prior AND the fact that we had made the appointment 5 days in advance, we were disgusted. No one from XXXX XXXX has contacted us since this incident occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting

According to the Fair Credit Reporting section 609 ( a ) ( 1 ) ( A ) your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. Unverified debt must be removed I sent all XXXX credit agencies certified letters to either produce and original contract which they could n't on debts for XXXX and XXXX. The court case : XXXX V. XXXX ruled that you can not take information off a computer source to verifying the debt. This precedent was also included in my letter.
Product: Checking or savings account

On XX/XX/XXXX I opened a automatically renewable CD account with XXXX XXXX, My initial deposit was {$5000.00}. I was told by ms. XXXX XXXX ( financial specialist ) that my CD would auto renew at each maturity date, and there would be no need for me to do any mantainence, So i made the deposit and left it there, because it was for my grandsons college fund. XXXX merged with Wells Fargo in XX/XX/XXXX, and i just assumed my account would be transfered over with no problem. 
On XX/XX/XXXX I went to Wells Fargo with my receipt of deposit and all the paperwork that was given to me at the time of deposit, only to be told that they had no record of my account, there was no record of deposit or withdrawal, so they said that they would investigate, and after about 4 weeks of contacting the bank for updates they finally told me that the account was purged from their system, so they said that the account must have been closed out, I asked them by whom, and they said that they have no idea, I know I didn't close the account. so I feel they owe me a better explanation as to what happened to my money
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear XXXX, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : Citicards CBNA Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : $ {$2500.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 
I expect your response within 30 days of receiving this letter, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 I wrote to Portfolio Recovery Associates XXXX XXXX XXXX. XXXX XXXX, XXXX, VA XXXX to dispute an account they are trying to collect {$4500.00}. I asked the to provide " Validation '' of this account well within my rights for the Fair Debt Collection Practices Act. Portfolio Recovery Associates failed to provide me with proof this account was indeed mine. They only replied with an amount owed. On XX/XX/2019, I again attempted to have the company provide accurate verification and validation that the account was owed by myself. The company sent notice which was received on XX/XX/2019 that states they have answered my dispute previously and their company bought an electronic file with my personal information in it and are now attempting to collect on this account. This account is not mine, this company is now harassing me and it is also affecting my credit score which is causing harm to my personal finances. This is a violation of the fair credit reporting act, fair debt collection practices act and defamation of character.
Product: Mortgage

As seniors who have put our trust in Wells Fargo Bank it was shocking and devastating to receive notification by mail on Tuesday XX/XX/2020 that our mortgage ( without our permission of notification ) had been put on forbearance in XXXXThe one payment that was paid for that month was removed and put in some other Wells Fargo account that we had no knowledge of until XX/XX/XXXX. 
On the first page of the XX/XX/XXXX notice sent to us it stated that we need not be concerned at all and that Wells Fargo would contact us near the end of forbearance ( no date was indicated ) to discuss options. We assumed to return to our pre-forbearance autopay status. The second page we found cold, confusing and threatening, saying that our house could go into foreclosure and the Wells Fargo could come and look at the property at any time. 
After contacting Wells Fargo and speaking with numerous Wells Fargo employees we are in a state of shock as no one is clear as to what we should do. We have been told a number of different scenarios by Wells Fargo personnel including that if we decide to immediately stop forbearance and return to pre-forbearance status our credit score could be affected as it would be reported that we missed a number of mortgage payments. Or to have our payments reinstated we would need to reapply for our mortgage. 
For our whole lives we have been responsible and have an immaculate credit history. Being retired and on a fixed income we are very careful with our finances. We are shocked and at a loss on how to deal with this. We feel betrayed by a bank we have always banked with.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file. I have been a victim of a data breach, and these items have been added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to remove such fraudulent entries from my credit report. 
Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX - XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times, because I have inquiries that I have not authorized.
Product: Mortgage

Due to Covid I have to take a forbearance on my mortgage. The forbearance ended on XX/XX/XXXX. I chose to do a loan modification which took 2.5 months to complete. Every time I called during this time period I was told I did not owe anything until the loan modification was complete. On XX/XX/XXXX I called for a loan update and to inquire about letters I received from the lender stating I was behind. I was told by the gentleman to ignore the letters as they were from an automated system, that there were almost done with my modification and my 1st new payment would be due on XX/XX/XXXX. I specifically asked if I would be paying for the months it took to complete the loan modification and was told no. He told me he couldn't accept money from me even if he wanted to because they didn't know what my note was yet! He assured me on XX/XX/XXXX, I would only be responsible for that month 's mortgage bill. So, I call on XX/XX/XXXX ready to pay and was informed I was 4 months behind! When I explained what they told me Every Time I Called, they called me a liar and said they could only accept the whole amount due! I start saving my money to pay them. Then, on XX/XX/XXXX XXXX sends me a certified letter from them stating I have until XX/XX/XXXX to pay {$10000.00} to cure my default and avoid foreclosure. So on XX/XX/XXXX I call and speak with XXXX to let her know I will have the funds in a week and am told on XX/XX/XXXX ( a day before they sent me the certified letter ) they put my home in active foreclosure! XXXX tells me they do not have to honor the Cert. Letter they sent me. I argued with her & begged her to do whatever she could to accept my payment and am told she will work on it. I called again on XX/XX/XXXX to make the payment and was told they can not accept it and are unsure if they could reinstate my loan! They told me to wait a week for a letter from their attorneys and that if they could reinstate my loan, I would also have to pay their attorneys fees in full! I am a single mother who's real estate business was destroyed by covid. I don't see how it's fair for them to continue to tell me one thing and then change their mind! They also sent me several documents ( which I still have ) ( promissory notes for over {$21000.00} and others ) which they deny sending me. I also know that they record all of their phone conversations and have records of all of our conversations. I believe they need to honor what they told me and allow me to pay the house notes I am behind on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which I can pay now! I am also being sued by XXXX XXXX tax assessor because they have not paid my taxes! Please, I am begging you, if there is anything you can do to help me! I am not a bad person, I do not break the law, I do not do bad things, never been arrested! I am just a hard working single mother trying to recover from the havoc covid caused my business. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, by fraud, illegally and without my authorization, someone, via an electronic transaction, stole the amount of {$300.00} from my checking account and Oriental Bank of XXXXXXXX XXXX do not want to refund my money. They are the guardians of people money, and it is not fair to penalize me because the security of their system is a failure.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove these account before I seek litigation for the defamation of character XXXX XXXX  XXXX XXXX balance {$29000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX balance {$2700.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$830.00}.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to a creditor, XXXX XXXX XXXX placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over XXXX months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.