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

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 : {$500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Consumer Loan

I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.
Product: Mortgage

I had a major medical issue that required extensive surgeries and treatment over 18 months. During that time I fell 2 months behind and was in the process of a modification when the Mr. Cooper rep talked me into changing from a modification to a forbearance. ( I was doing modification in XXXX XXXX and covid hit in XX/XX/XXXX XXXX I took the forbearance because they said I could not be in 2 programs at once and I really didn't know how bad the covid thing would get. I was on a forbearance until XX/XX/XXXX and I contacted them in XXXX XXXX to start the modification process again. Now they say the only option the can give me is to pay XXXX in full to catch up or short sale my home or a deed in lieu and have denied me for both a modification or a deferment of the covid year forbearance. I have $ XXXX in equity, now that I am back to work, I am back earning more than enough to pay the $ XXXXmo mortgage payment and their 7.99 % " take it in the XXXX interest rate '', I have zero other credit card or loan debt. All I am asking is for them to tack the amount to the end and I will make payments while simultaneously looking for a new and more reputable mortgage company. They have lied and have told me conflicting information every single time I speak to them, it feels they make up rules as they go and I am done! I have been completely mislead and feel they are taking advantage of people and bad circumstances of medical issues and covid. My house has modifications and special features installed for my XX/XX/XXXX daughter. I have invested a lot of time and money to provide a safe and XXXX accessible features for my daughter. These modifications were made because of my intent to stay in my home with my daughter. I am not going anywhere.
Product: Debt collection

I have XXXX collection accounts listed on my credit report that I never received information regarding the debt, I have contacted all XXXX credit bureaus and was not sent the proper information to verify the debt. 

Transworld {$96.00} medical debt Trans world {$2000.00} medical debt XXXX XXXX {$910.00}
Product: Checking or savings account

The Bank of America includes on mail the POD on the face of the envelop for anyone to see. The mailman, neighbors who might pick up my mail or my beneficiary all might view my personal information. I have asked them to remove this from the face of the envelop but they refuse to. Who i designate as my beneficiary is not the business of anyone who decides to view the mail envelop. I have tried at the bank, called customer service but they say it can't be removed. When asked if I changed my beneficiary could they remove the name and add a new name they responded yes. Therefore, I claimed, a name could be removed if that were the case. They do not seem to understand this is a violation of my desire not to let anyone know my private business. 
The date I visited the Bank of America in XXXX, NY, was XXXX XXXX. This is the same day, XXXX XXXX that I called customer service. 
The lack of understanding and inconsiderate actions of Bank of America are inexcusable. 
Requesting a simple removal of personal information not to be displayed for anyone to see and outright refusal is not acceptable. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : XXXX. XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors.

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX ... Debt Collector was given 21 calendar days to submit an affidavit to rebutt the Affidavit of the Claimant/s and was given proper Notice of None-Existing Debt and given opportunity to XXXX. Debt Collector has acknowledged with it's refusal to present Certifiable Evidence of the existence of an actual Note in which case would be possible evidence of a debt. Debt Collector continues to threaten and harass Affiant/s with abusive language during debt dispute. This filing will count as the final warning before a Criminal Complaint is filed via the Attorney General Offices. There also may be a report filed on MAIL FRAUD via UCC 1 Financing Statement against your office, alone with any and All agents acting in concert. Not excluding Extortion, False and misleading statements and perjury. Please give testimony that the Note is legitimate ( Not a False Copy without Endorsement ), and Give Rebuttal to the Sworn Affidavit as required under penalty of PERJURY!!! NOTICE : AMERIHOME, PRINCIPAL and AGENTS now have 3 calendar days from today XX/XX/2024 to settle this matter as stated or are in DEFAULT as having Accepted the Affidavit of " alleged debtor/s '' as Truth and is the final agreement between all involved parties and is agreed that the account will show corrected/adjusted to reflect.Thanks!
Product: Debt collection

The XXXX XXXX XXXX was billing my XXXX son rather than myself, his mother. I am the primary insurance holder and responsible party that should have been contacted to settle the balance. I was unaware of the balance owed of {$12.00} and had paid for all of my known balances. I recently received a Credit Collection bill in the mail addressed to my XXXX son and immediately called the Credit Collection XXXX and XXXX who said they had made a mistake in billing my son. They have made other billing errors before and I am filing a complaint as I am concerned that this type of mistake would affect a non-responsible party, especially XXXX who is a minor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2023 to dispute inquires on my report that was not made by me and I received an email from the company on XX/XX/2023 to say the result is ready but I can not access in online and provided number to call. I called to ask about the report and where I can access it and I had difficulty with getting report. I was just told that the inquires are still there which means its accurate and still they can not provide me with the report that determine how they got this information to say it was accurate. I would like copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Vehicle loan or lease

As I took a look over the documents provided in efforts for Exeter to not remove this negative tradeline, I found errors Exeter failed to provide correct amounts and has sent XXXX different forms with XXXX different balances which is illegal under the FCRA. 

My contract shows : {$21000.00} On the explanation of calculation form it says my balance is : {$24000.00} If {$17000.00} was paid I should legally only owe {$4400.00} NOT {$8600.00} The full amount of {$21000.00} was written off, and {$17000.00} was settled, so legallly, Exeter incurred a profit and only {$4400.00} should be considered and written off as a loss. 

extra fees should not be considered charged off if I wasnt initially billed for them. A charge off is when it has been 90 days since payment was received but if I never received a bill for the additional fees that I were charged for in XXXX,? How can it be combined and considered a charge off. ( When XXXX would make 90 days officially ) but my credit report shows a charge off for 6 consecutive months with the full balance of {$21000.00} written off.

The inaccuracies occur when Exeter sent an explanation sheet saying that my contract balance as of XX/XX/year> was {$24000.00} which was never in my initial contract agreement, they also stated that I owed {$7400.00} following the sale proceeds. It is illegal to provide false and inaccurate information on someones credit report. 

If Exeter can not fix this and remove this negative tradeline, I will like to move forward with a court order.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I

need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from ref
urnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Student loan

I have a loan through Nelnet that has not qualified for any of the covid programs. 

On XX/XX/XXXX, I received a phone call from Nelnet explaining that the company they purchased my student loan from ( years ago ) had miscalculated my monthly payments. My loans are due in 6 months and they are now dividing my remaining payments up for the remaining amount, which ballooned my payments from {$110.00} to {$1100.00}. My only options are refinance or pay it off. I was told I could also call for forbearance with no issue other than an annual phone call required. 

I called Nelnet back on XX/XX/XXXX after digesting this information, and asked them to send this all to me in a letter. I was informed that the previous caller was wrong and this agent would submit a form and I would continue with the lower payments, and letters with this information would be sent. 

I never received a letter. I checked my Nelnet account on XX/XX/XXXX, and was shocked to see that they had increased my auto pay amounts without my permission, to {$1100.00}. I called again, and this agent told me I do not qualify for forbearance, and my only options were to pay or refinance. She had no information on refinancing available and sent me to a government website. She said she would request a letter be sent to me by email, and it would arrive by XX/XX/XXXX. 

I called again on XX/XX/XXXX as I did not receive anything by email or mail. This agent informed me that a letter was sent on XX/XX/XXXX but takes time for processing and it " should '' arrive by XX/XX/XXXX. She said I don't need to make the large payments on XX/XX/XXXX when it's due, and it would probably be fine since I haven't received anything in writing and they shouldn't report to the credit bureaus. 

My first auto-pay that Nelnet increased XXXX my approval was taken from my checking account on XX/XX/XXXX. 

I received the emailed letter I had requested on XX/XX/XXXX. This letter took no responsibility for their part in my payments increasing XXXX. I have not yet received the postal mailed letter promised by XX/XX/XXXX. 

I am extremely fortunate that this is not going to cost me my house, food, credit, or absolute necessities. It just feels so wrong that a mistake by a huge student loan corporation can lead to such repercussions for me but not them. I have always paid on time at the amount that Nelnet calculated as due, yet I'm stuck with dealing with their mistake. I am concerned that I am not the only one this is happening to, and know others would be in a much worse situation with this kind of demand for payments.
Product: Credit card or prepaid card

I called CapitalOne Credit Card XXXX XXXX service, and was transferred to a representative, due to suspected fraud with my card! I was asked if I recognized a charge, and I answered, " no ''. The rep advised that the best thing to do was to inactivate the card, XXXX issued a new one. Additionally, I was advised that if I needed to make payments, I could make them over the phone, if I provided the last XXXX digits of the old account. I stated that if that was the best approach, that I agreed..and i was provided with the last XXXX digits of the new account. 
The next step needed was to send a text code to verify my identity! I advised the rep, that I only had a landline! The XXXX stated that there were options, that a link would be sent within the next hour, or within XXXX hours, to enable me to send a copy of the front and back of my XXXX driver 's license! The first time i never received the link! I called and was told that the link would be sent, again, with the same waiting time! I received the link, and endeavored to send the required document, but was unable due to the E-Mail address being invalid! 

I have spent an inordinate amount of time with this matter, and have gotten nowhere! A payment is due today, and I can not make it due to this mess! I do not want to pay a late charge! And Capital One does not waive late charges! I feel I am between a rock and a hard place! Any help granted in this matter, would be greatly appreciated! 

As an aside, I was told that I could make a payment, from my checking, if I provided my checking account routing and account number! I refused as most of the reps are from outside the XXXX! Besides they already have that info!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and the Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.