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

There is an account that appeared in XXXX from USAA on my XXXX report. Just XXXX. I originally disputed it with them. It came back as verified as mine. I contacted USAA they couldnt find this account or ANY account in my name and Social Security in their records. They said " we cant send you anything that says this isn't yours since we are not reporting anything under your identifiers '' you will need to dispute this with the bureau again. I did. It was then removed. It remained off for months. Then reappeared. I once again disputed this with XXXX and was told its been verified as yours. How? Where is the proof. They have to provide me a copy of the lease/loan agreement with my signature, or credit app something! Nothing. Neither them or USAA has ever done so. They just keep making this account reappear at will. It costs me XXXX XXXX points each time this appears. Its causing me financial devastation since I have NEVER had a late payment in my life or a collection account. Just this account that isn't mine appear and disappear. This has to be removed in full by XX/XX/XXXX at that point the debt is 7 years past the time whoever had this would be out of the statute of limitations. I shouldn't have to wait 3 more months for this to happen naturally since its NOT MINE!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/19 I purchased an item from an online vendor for {$100.00} on my American Express. The goods were listed as in stock. The following day I received an email from the vendor stating the goods were on backorder for approximately 9 weeks. I sent follow-up emails on XX/XX/19 and XX/XX/19 to the vendor and didn't hear back. I requested to cancel the purchase and still didn't hear back from the vendor. I initiated a dispute via American Express. The dispute was rejected because I didn't dispute the charge within 60 days ( the customer service representative said 60 days was " international law '' ), despite me showing proof the vendor requested additional time for a backordered product. So basically, I'm being forced to pay for a product that was never received and my credit card company won't back me despite getting no contact from the vendor.
Product: Debt collection

I am writing to request a 1099A form from Exeter Finance regarding a charged off car that appears on my credit report. 
I believe that this form will be necessary for me to properly file my taxes and report any potential income or losses related to the charged off car. 
The vehicle in question was financed through Exeter Finance, but unfortunately, I was unable to make the payments and the car was ultimately charged off. While I understand that this process can be complicated, I am hoping that you can provide me with the necessary documentation to ensure that I am in compliance with all tax laws. 
1 would greatly appreciate it if you could send me the 1099A form as soon as possible so that I can complete my tax filings in a timely manner. If there is any additional information that you require from me, please do not hesitate to contact me. 
Thank you for your assistance in this matter. 
Sincerely,
Product: Debt collection

There is an account that I have disputed and requested validation of and nothing has been received. Please help assist me
Product: Credit card or prepaid card

We had a gift card worth of {$75.00} from Vanilla visa debit card service We have not purchased anything and the card balance is now {$0.00} It is a bogus transaction and would like to dispute the card service Vanilla
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX BANK XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX 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 ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) 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
Product: Credit card or prepaid card

I filed a formal " dispute '' with Capital One re my experience at XXXX XXXX XXXX in XXXX Oregon on XX/XX/2018, and the various correspondence and phone conversations extended thru early XXXX. 

This complaint began with a problem I had with an auto repair shop on XX/XX/2018 in XXXX Oregon as I was traveling on a summer trip. They overcharged me {$210.00} on my Capital One credit card ( {$630.00} total after being originally quoted a price of {$420.00}, which is the average price for such a repair ), and so I filed a " dispute '' with Capital One, along with 20 pages of documentation and narration describing and showing HOW the price I was charged was WAY OVER the NORMAL COST for such a repair. Capital One asked me to submit this documentation. Then Capital One asked the auto repair shop ( XXXX XXXX ) to submit their own documentation. XXXX XXXX responded by simply submitting the signed receipt. 

On XX/XX/XXXX, Capital One asked me in writing via postal mail for further documentation to " use against '' XXXX XXXX & I responded with a copy of the invoice in which they quoted {$420.00}. 

On XX/XX/XXXX, Capital One then simply responded in writing by postal mail by saying the case was closed and that they supported the merchant, not me. They said they tried to contact me via phone ( but they called the old phone number, rather than the new one which I had just updated with them only a few weeks prior ). Thus, because I was traveling again, I did NOT realize they had closed the case until I called back a few weeks or so after XX/XX/XXXX. 

In early XXXX, I finally spoke with somebody a little " higher-up '' at Capital One at this point in time, and she knew nothing about my case, but " reviewed '' it ( the entire 20 pages ) as we spoke on the phone, and spoke as if the only reason they handle disputes is because mastercard requires it. She sounded as if she did NOT care much at all, if at all. She CLEARLY did NOT carefully read my 20-page supporting document, and dismissed the conversation by saying " Well, the receipt was signed ... '' as if that's ALL that matters. 

I told her that they changed the price at the end of the day and pressured me into signing it ( they have ways of " sabotaging '' your vehicle if you don't pay the higher price ... I saw them signalling to each other, so I knew I had to pay now, dispute later ). The FINAL PRICE speaks for itself ( res ipsa loquitur )! I was far from home, my car broke down. It was the day before the XXXX of XXXX. They knew I needed to keep traveling. They unethically and unscrupulously " twisted my arm '' to pay an outlandish price just to get my vehicle back and be back on the road again. Capital One showed no signs of caring or even that they carefully reviewed my documentation. Shame on them. 

After this final phone call with the unnamed " higher-up '' female at Capital One who dismissed me perfunctorily, I began to search for ways to further address this issue ( now also a Capital One issue ), and came across the CFBP website. I ask CFBP to investigate this matter, accordingly. 
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Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed about XXXX different credit inquiries that I did not authorize and I want the removed immediatly
Product: Mortgage

Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions XXXX
Product: Debt collection

I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from Republic Equity Credit Services the letters include documentation from the original creditor XXXX  XXXX XXXX. The most recent notice from Republic Equity Credit Services on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from Republic Equity Credit Services. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have called and told them on 3 different occasions that i could not make my payment due to a financial situation. I asked her to get a pay extension and she said yes as if i went into the store. I told her that it wouldn't be today but tomorrow. Then she continued to call me and all my references even after i set that up. I had informed her not to call my references as they don't know my personal life or money situation. And she continues to do it. She even called them today without even calling me about the loan
Product: Credit reporting or other personal consumer reports

I simply have had no luck obtaining any copies of my credit reports from any of the three credit reporting agencies. I am submitting my drivers license to verify my identity. I would appreciate having each credit bureau mailing out my free annual copy to my home address. XXXX XXXX
Product: Debt collection

The Company is Portfolio Recovery and they are trying to collect an old XXXX on Credit Card debt. Today they called from a number that was id as XXXX XXXX on my phone caller id. When I called back the recording said Portfolio Recovery, they are calling almost every day, I spoke to them 2 months ago to come up with an agreement and informed them that I still could not pay how much they were asking for, the rep insisted that I had to give a credit card number and she would put a future date on it. I explained to her that any date she puts is not a guarantee that I can pay as I was still not working and even though I was interviewing I had no prospects so not sure how I was going to pay. They stopped calling for a while and started calling back every single day, and today at XXXX pm I got a missed call that said XXXX XXXX XXXX. Since I did not file taxes as I have no income to report, I called back and the recording stated Portfolio Recovery, not XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting information that is inaccurate. According to the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ] A reinvestigation of disputed information : " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is INACCURATE and record the CURRENT status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In paragraph ( 5 ) it states ; " If, 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 information.. I also request a description of the procedure as stated in paragraph ( 6 ) ( B ) ( III ) which states " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency... '' *See the attached picture
Product: Debt collection

Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Credit Acceptance, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Product: Debt collection

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts.

If you have nothing with which to pay, Why should he take your bed from under you?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I saw some hard inquiries that are not mine
Product: Debt collection

I am writing to formally dispute account numbers XXXX and contest the actions of PORTFOLIO RECOVERY relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. 

I hereby declare that I dispute owing any and all debts to PORTFOLIO RECOVERY and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between PORTFOLIO RECOVERY and the original creditor pertaining to the said debt. 

It has come to my attention that PORTFOLIO RECOVERY has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that PORTFOLIO RECOVERY is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ). 

In light of these violations and discrepancies, I am formally revoking all rights of PORTFOLIO RECOVERY to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately. 

Furthermore, I request that PORTFOLIO RECOVERY provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities. 

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by PORTFOLIO RECOVERY. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Product: Credit card or prepaid card

I have already notified Comenity Bank that this credit card was opened without my knowledge or consent. I don't know nor ever had the account number and the fraud department would only give me the last four numbers which are XXXX. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a XXXX XXXX  / XXXX XXXX and I have had to file for divorce because of this. I have been severely and maliciously defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX has even recognized this and deleted their XXXX entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for refinancing on XX/XX/XXXX and by mistake, entered my income incorrectly on the application. The next day I received an email advising this, so per the instructions, I replied to the email with the correct income amount so the SAME app could be re-reviewed. Today I get notification that Openroad processed inquiries on my credit on XX/XX/XXXX and XX/XX/XXXX! You cant give me two hard inquiries for the same app # XXXX. 

Please remove the additional inquiry and confirm once completed. The email sent to me about my income NEVER indicated my credit would be pulled again. Why would you need to if you only needed to verify my income? DELETE THE INQUIRY.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.