23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been dealing with this false unauthorized debt of XXXX XXXX since 2017. I have sent numberous disputes with the credit bureaus. I have contacted XXXX wireless myself and have gotten no progress. I have reported this as identity theft ever since my personal information, passport, social security number, passwords and all my personal information has been compromised. This has been a ongoing issue as I ha e no knowledge nor did I ever open a. Account with XXXX.
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX I bought I car from US Auto Sales in XXXX Ga. I was making payments and lost my job on XX/XX/XXXX. But started new job in XXXX and when I called to make payment no one answered and then I just got busy signal afterwards. So I didn't know what to do or who to call. I never received anything about US Auto Sales Closing or transferring loan over to another company. I also never received anything from the other company who taken over for US Auto Sales. So I didn't know where to send payments or how to make them. Then on XX/XX/2023 my car was repoed. The towing company never let me know anything and didn't let me get my belongings out of the car. I don't know what towing company it was and they dragged the car leaving XXXX marks in my driveway. I received a letter on XX/XX/2023 stating that westlake portfolio management stating they will sell my vehicle at private sale sometime after XXXX XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Attached are my XXXX XXXX Copy B forms for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX All three accounts will be updated to paid on time in full, as agreed upon immediately. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, All other addresses shall be removed they are not my address and are non-mailable addresses which is defined as mail fraud. See attached utility statement and XXXX I.D . Card for Identity and address verification. Lastly per 15 USC 1666B, 12 CRF 1026.13, and the CFPB Timing of Payments ; A Creditor may not treat any payment as late on an open-end credit plan account for any purpose ; meaning XXXX XXXX XXXX XXXX XXXX open-end plan account on my report shall be removed immediately you are in violation of the law. Furthermore, a write-off/charged-off is considered income and per the XXXX XXXX XXXX XXXX XXXX  ) website income can be reported on credit reports. XXXX XXXX XXXX and all other charge-offs are to be removed immediately.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. Some inaccuracies existed on my credit report. The account has been removed by both bureaus and a charge-off account should have a balance of XXXX, not {$690.00}, but still this is appearing in my XXXX Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see there is a XXXX  XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters each month from XX/XX/XXXX to Equifax, XX/XX/XXXX, and XX/XX/XXXXdisputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. Equifax has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.
Product: Debt collection

I have been violated by XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been violating federal reporting rights for the last six years. I've requested a copy of my credit report for the last six years they refused to give me a copy of my credit report they have suppressed my credit report they have sent me a document saying, they have suppressed my credit file they even allow someone to put a consumer protection, fraud alert with another person name, and another person 's contact number on my credit report that was there for three years, allowing this person to use my credit for their personal use they did nothing to stop that. It cost me hardship now I have all this they won't validate any of the fraud on my credit report, and I can't correct anything because they won't allow me to pull my credit. I've been denied multiple denial of credit because changing it won't let my credit even be pulled.
Product: Checking or savings account

On XX/XX/year> I received an email from Chase Bank saying my checking account was restricted. I called the bank and they told me they had closed ALL of my accounts. They would not provide a reason. I work as a humanitarian and am currently in XXXX helping feed the people of XXXX. They left me in quite a bind, and without any information as to why. I have been a loyal Chase customer for over 20 years, have an XXXX XXXX XXXX, never any legal problems and work with a well-known humanitarian org. Why did they close my accounts after so long and without disclosing the cause? My speculation is that because I work in humanitarian aid, I travel to conflict zones and natural disasters. All financials related to this work are available for public review due to the non-profit status of my org.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a deposit of {$600.00} into my Robinhood account. They restricted certain investments and I decided to transfer my stocks and currency to XXXX. I initiated a transfer and so Robinhood sold my partial stocks and deactivated my account. I have heard nothing further from them and have not gotten my money back nor have my current holding been transferred over.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it. 

I do not have to provide Nexis Lexis with an identification card.
Product: Debt collection

Notice, I have reason to believe and do so believe that DISCOVER and anyone from the CFPB needs to respond to this affidavit POINT for POINT so reasonable rebuttal and sign under penalty of perjury that debt exceeds the amount of credit on this account that was created from MY original endorsement ; and notice again review all journal and ledger entries and please supply evidence showing cause that debt exceeds the amount of credit so be it all from the CFPB XXXX XXXX, XXXX XXXX, XXXX XXXX, and all from DISCOVER XXXX XXXX XXXX shall respond within the next 10 days as this matter has been ongoing for over 110 days. 
Notice, I have reason to believe and do so believe it would be impossible for DISCOVER to be the first creditor if i never signed as an endorser and gave my extension of credit.
Product: Mortgage

I have a mortgage loan which is serviced by Roundpoint Mortgage. We are required to escrow funds for taxes and insurance. Roundpoint paid the insurance bill twice in error. They are now trying to increase my monthly payment to cover the escrow shortage caused by their mistake.
Product: Debt collection

I ordered XXXX chair paid cash for it I looked at chairs the next day just looking never ordered it they say I did order I told them no Isaid I wanted to send it back they never contacted me about returning it They opened a account to pay for it they never asked me if they could they just did it when I found out I called them and told what they did was against the law for them to do this without my permission and then not telling me that I would report them very dishonest then they didnt call me back just sent it to collections Then I was contacted by January collections and that is how I found out about the collections. What they did was wrong and I shouldnt be responsible for their dishonesty Collections January. Current creditor XXXX, XXXX. amount owed XXXX # XXXX
Product: Mortgage

We signed with this company to refinance our VA Home Loan for a lower rate. They baited us with a {$100.00} Visa Gift Card in the beginning. The loan officer has been gracious, professional and efficient but the behind the scenes is another issue. The procrastination regarding closing this loan has been unbelievable!!! We should have closed by mid-XXXX. We have done all that we were requested to do including paying out of pocket for next years Homeowners Insurance policy because the XXXX XXXX, who has the original mortgage, did not pay the insurance policy by the due date and we believe it is because we were refinancing. 

To this date, no closing. Procrastination!!! Stalling!!! We have read that this company does not close deals in a timely manner unfortunately after we consented. 
Treating Veterans in this manner is unacceptable and this company should not be serving veterans if they can't deliver while advertising in a bait and switch manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and thank you.
Product: Consumer Loan

I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for.
Product: Vehicle loan or lease

Carvana should be investigating for fraudulently changing terms without sending anything in writing or giving any reason why. I applied for a vehicle to be financed with Carvana with using my vehicle as a trade in. When I filled out the application online they asked questions like are you financing or own your vehicle, what is the mileage and my vin. #,. I provided everything. They told me they would give me XXXX  for my trade in and the original terms were monthly payments if XXXX for 72 months at 20 % interest rate with no money down. I Signed a contract and provided all the documents they asked for including the payoff for my vehicle that I was trading in then today I get an email to call Carvana because my terms changed. Because I have a balance on my car of XXXX  and they are only willing to give me XXXX  for my car but XXXX XXXX XXXX  gave a value of XXXX  for my car because I have low mileage and my car is in excellent condition they changed the terms to XXXX down with 27 % interest rate with monthly payments of XXXX a month. I asked them to tell me why I had to give XXXX down If my vehicle was being traded and XXXX was going towards the vehicle. Even if they add the difference from my trade in value minus my payoff it would not warrant payments to be XXXX for 72 months. The purchase price of the car would be XXXX  instead of XXXX. Which means they would take the difference of what I owe from the trade in and add it to the new loan. They could not answer my questions when I asked for a copy of the terms in writing they refused to let me see the figures they quoted me over the phone. I believe this was all a game they were playing with me. I asked for a manager and the Gentleman hung on me. His name was XXXX. I want them investigated they changed the terms and would not put it in writing who does this you give me verbal agreement without giving me options to review. Who does business this way
Product: Mortgage

I have provided documents for months to support the requirements to process a loan modification with Freedom Mortgage. The loss mitigation package was accepted as complete XX/XX/2018 followed by requests for a pension award letter, there was no pension and I called to discuss the issue. I sent multiple notice of error requests and information requests to the specific notice request address without response. The loss mitigation package was denied because there was no pension support. I provided detailed information on what is covered by a 1099R and provided the retirement account distribution support. The employees refused to ever discuss the letter denying it was ever sent. The employees refused to provide any or all options available that would cure the default. The employee XXXX promised if I provide his requested forms that the loss mitigation would be processed without issue. The staff does not appear to understand the documents that they are responsible for processing.
Product: Debt collection

Calvary Portfolio is the creditors name and the amount is {$6100.00} the original creditor was westlake financial and it was in fact disputed due to being fraudulently established and inaccurate now it is appearing from another creditor for the same amount.
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX TBOM/MILESTO - XX/XX/XXXX CREDIT ACCOUNTS ADS/COMENITY/VICTORIA - XX/XX/XXXX CAPITAL XXXX - XX/XX/XXXX CAPITAL XXXX - XX/XX/XXXX MACYS/CBNA - XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I have kept my  BBT Visa card current for the most part ( greater than 95 % of the time ) since its issuance. I spoke to a representative today and learned that the card  had been cancelled even after I made more than double the amount due as a minimum amount in the last 14 days.     The card balance was made successfully. I never bounced a check or had issues with the minimum payment and sometimes paying much more than the minimum. The card statement shows available credit but when I used it today, I was blocked on the account.     As consumers, like me, recover from the financial crisis, they need access to credit in underserved areas. The card was not paid chronically late ever. The last balance was not even over 90 days and typically the card is paid as agreed.      BBT added la te fees and other cost that caused the card to go over the limit.
Product: Prepaid card

Inexplicably XXXX- which is a XXXX card - provided by Wells Fargo - locked my commuter account and I am not able to use the card with money I have on the account. XXXX refuses to provide a list of pending transactions and refunds and refuses to answer the phone.
Product: Mortgage

My HOA covers the structure insurance, I do n't need to purchase further insurance. 
SLS asked for insurance, I sent, repeatedly, spoke to them on the phone, they kept sending notices that they were going to force place insurance, and I would respond and give them my insurance. They force placed the insurance, I FINALLY got them to UNDERSTAND, that I HAD the insurance. They said they would remove the insurance. They send me a refund check of approximately {$700.00}. This month my mortgage payment went up {$280.00} for additional escrow charges ( CHARGED MIND YOU, THAT I SHOULD N'T HAVE ). The only thing they said I could do is send a written dispute, but I have to pay the inflated amount otherwise my mortgage payment would n't posit. My taxes have not increased, my PITI payment had been and should be XXXX. This month they are demanding {$1500.00} and I 'm told next month will be {$1300.00}. I should n't have changing payments because my taxes have not changed, and they do not do my insurance, my HOA does.
Product: Credit card or prepaid card

After relocating out of state and closing old and setting up a new bank account I called to make a double payment of {$400.00} in XXXX explaining the need to do this to provide time opening a new account. This payment was thoroughly explained and accepted after updating my address and other information that I needed to cover the current and following month. In XXXX I received no bill, no email, and no phone calls on the account. In XXXX I received a notice that my available credit dropped to {$1200.00} so I immediately called the company and was informed despite their employee accepting a payment for two months that they can't do that and despite speaking to multiple people explaining that it was deceptive to even accept the payment but I would pay the amount if they would correct my available credit back to what it was. After speaking to 3 people requesting a manager each time I was connected with someone who would only identify as XXXX, the only manager I could speak with and was told they could do a hard inquiry to see about a credit increase but the payment they accepted did not matter and there was nothing they could do.

Following this phone call I was then locked out of my mobile/online account and could no longer access past statements, payment history, or any information what so ever on my account. I haven't found anything in their terms that says they will or even can do that. 

I made multiple attempts just to correct the problem because I was in the process of completing a homeownership course and my score dropped significantly because this is my oldest account and my available credit dropped {$7000.00} for an error on the behalf of their employee. Now that the account status is supposed to be closed and 3 final payments scheduled they are still sending me bills with interest rates and increasing billing amounts and not properly reporting this. I was at the end of paying off the amount on this card I have paid {$7100.00} of {$8300.00} and now lost the ability to buy a home but they're still increasing the amounts after I scheduled to settle since they wouldn't do anything to make this right. I also had a promotional purchase on XX/XX/XXXX that would of been paid beyond the full amount with payment made before and including XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX in the amount of XXXX that was being charged interest but I can no longer access online statements and did not receive two months of paper statements.

I have exhausted all efforts at this point I will pay for the employee not aware of their own terms or conditions and it makes me sick to my stomach reading all the accounts of people that have had long term accounts with this company and experienced significant loss of opportunity because of what their practices did to their credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am certifying and contesting that this letter has been sent with my free Will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

XXXX XXXX. XXXX XXXX XXXX