23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed a debt for a motorcycle t o Midland Credit Management,  acct #  XXXX  that they acquired fro m   XXXX   XXXX   se veral years ago. 10 months ago, the account was settled and I requested the title for the motorcycle. They would not send it. After a couple months, they informed me I only needed to fax a letter requesting the title with the motorcycle VIN # and that I would get my title in 30 days. I did so on  XXXX   XXXX ,   XXXX  , and supplied a copy of the initial registration as well. I also had them change the address to send the title as well because I moved recently. After not receiving the title, I called about it and was told I did not send the letter. The story hanged several times while on the phone. Initially, they said they had received the letter, then I was told it was illegible, and finally that they never received it at all. They did, however, change my address on file to the one I requested in the letter, so obviously they received it and it was legible. They are still refusing to send me my title even though they have not held a lien on the vehicle in almost a year.
Product: Credit reporting or other personal consumer reports

I have been, and or am a victim of identity theft. I froze my credit report and still have been given notifications that my information has been exposed to the dark web. I have also been experiencing complications with utilizing my credit properly, based on improper illegal credit reporting practices that is a violation of federal and state laws as well as unfair practices of debt collections in which I did not agree to do business of any kind or provide any wet signatures and have numerous times tried to validate this through the credit reporting bureau and wish to follow Complaint for the illegal practices that are going on and wish to participate in the lawsuit against Trans Union and or any affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTES AFTER DISPUTES FOR A VALIDATION NOTICE AND I CONTINUE TO GET THE SAME RESPONDS AND THEY ARE REPORTING IT AS ACCURATE INFORMATOION BUT NOT REPORTING HOW THE INFORMATION WAS OBTAINED I HAVE SUPPLIED A LETTER FROM THE ORIGINAL CREDIOTR SAYING THEY DO NOT REPORT TO THIRD PARTIES AND THEY STILL WILL NOT REMOVE THE ENTRIES FROM MY CREDIT REPORT CAUSE THEY ARE NOT RECEIVING THE INFORMATION FROM THE ORUIGINAL CREDITOR. 
SO IN THE LETTER THEY ARE SENDING STATING ITS XXXX INFORMATION WHERE IS THE VALIDATION OF THE ENTRIES AND WITH WHOM WAS IT VERIFED WITH AND WHAT IS THERE POSTION ADDRESS AND TELEPHONE NONE OF THAT IS INCLUDED IN THEIR RESPOND.
Product: Debt collection

This payday loan company notified me that a warrant for my arrest. And suggested that I call them to make payment arrangements. This is in violation of FDCPA. I do not recall ever obtaining a payday loan from Mr. money. I dont even use my maiden name anymore. Its been changed since 2010.
Product: Mortgage

I am writing to you today about my most recent issues with my Financial Institution, Pentagon Federal Credit Union. My issues specifically involve their XXXX XXXX 

I had a horrible experience with my original mortgage closing and ended up having to pay some of their closing costs for them. Luckily, I had an extra {$3.00} XXXX dollars available to cover the costs they should have paid. They did eventually reimburse me but only the money not the use of it or the lost time. It was actually the third closing date they missed the first two. My lawyer said it was the worst closing he had ever seen and would never do business with them again. I complained to the Consumer Financial Protection Bureau but to no avail. Even though they admitted to fouling everything up nothing happened. 

So, shame on me when they offered to refinance my home and lower my payments in late XXXX  I foolishly took them up on their offer. Six months later I received a correspondence from XXXX who held the insurance on the property that they had not been paid in several months. Now this was not my issue in the since that it was coming out of my escrow but of course I did not want the insurance on my home cancelled. I contacted PenFed and they tried to blame it on a subcontractor and it was going to take forever to get the payment. So, once again I was forced to pay PenFeds bills for them but this time there would be no refund.

PenFed agreed that they should have paid the insurance but did not. Now they claimed that they had not held back enough funds to cover my escrow and they raised my mortgage. Now I know that escrow can change but only when taxes change or insurance rates go up. Neither of these happened. Instead PenFed apparently made an error figuring out the mortgage and now they just raised my mortgage. 

I tried to explain that we had a contract and you just can not arbitrarily change the rates. I finally escalated to, XXXX XXXX XXXX, XXXX of the Board of Directors. He apparently does not see a problem with this strategy. I asked if I could arbitrarily change the rates downward and was told no if I did not make my payments they would foreclose. 

Im a little bit baffled that a financial institution the size of PenFed would not have a better grasp of business. They are either totally incompetent or just dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Followup to complaint XXXX. 

I am at wits end with Experian. This is the third time I have submitted this request and not once has the issue been addressed. I keep getting the same boiler plate garbage although my request is totally different. THEY SIMPLY DO NOT READ!!!! 

Let me try again to explain what I need. XXXX please pay attention, because you keep closing the complaint without reading question nor answer. 

There was a dispute with XXXX CT XXXX because they idiotically kept sending notices to my old address one year after I had moved. This resulted in some rude incompetent collection agency harassing me. 

After contacting XXXX, I agreed that the amount ( {$140.00} ) was due but I have not paid them BECAUSE ( and please read carefully ) BECAUSE NEITHER XXXX nor EXPERIAN will accept responsibility for removing negative remarks from my credit report. They both say it is the other one 's responsibility. I AM CAUGHT IN THE MIDDLE. 

I will pay XXXX upon confirmation by both parties that they will agree to remove negative remarks from my record. 

IS EVERYBODY STILL FOLLOWING THIS??? 

Now, can I get an answer?
Product: Mortgage

See attached documents that I sent to my account representative at PHH. This is the 3rd attempt to get ANY resolution whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 this car has been paid off and the title for it was sent to me.
Product: Credit reporting or other personal consumer reports

requested remove old addresses and false names but was no option for request the hard inquiry from sinchrony bank fraudulent practices when i pay trough the sams club app, they freezes the payment process on screen of the phone offering a 30 % discount if i fill 4 lines with my name, address and my date of birth, when i filled those 4 lines the screen worked properly, and when arrived to my home transunion notifyme that my credit score was decreased due a hard inquiry, i think thi is a fraudulent offer because they inserted an algorithm between the payment process when we are extremely concentrated in the amount of money and quantity of the product 's, iam requesting remove that unauthorized hard inquiries.
Product: Student loan

I am the cosigner on my daughters student loan. Originally a XXXX XXXX XXXX Select Student Loan. 
It has since been passed on to American Education Services ( aes ). I chose to do automatic withdrawal 's which I was told would allow a .25 % discount to my interest rate. 
Because it is a variable rate I never really knew if I was receiving it or not. There was no indication on my statements. I have gone back through my statements and have added up the portion that was indicated as principle payment. My figure does not match the figure on my current statement. I do not trust that they have my best interest in mind and that their paperwork is correct.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this afternoon, and I have no explanation for why theyre there. I regularly check my report, but this time, there were unexpected discrepancies that I couldnt overlook. I even refreshed my browser, hoping it was a mistake, but the false accounts didnt disappear. I need the documents I submitted to be checked thoroughly so I wont have to worry about this issue anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX  XXXX  XXXX Dealership. XXXX of XXXX XXXX  XXXX  XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX  and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report as of XX/XX/22 and this is what I found that still fails to be corrected. Now it's time to delete them per FCRA laws since the bureau fails miserably at understanding clearly written disputes : 1. XXXX XXXX XXXX installment loan is paid off. They confused this with the credit card account I disputed as paid and closed. Now this one is paid off and closed. 

2. XXXX- this item continues to appear as if I disputed it. The loans are in forebearance, I sent the proof of this to them to update the account, they still haven't but have labeled it " disputed '' which I never did any such thing. I'm demanding they remove that negative verbiage they made up or delete the entire account from my credit permanently per FCRA laws! 

3. XXXX # XXXX - Per FCRA laws the account can not show as " charged off '' and " settled '' at the same time. It lowers my score and makes creditors think that I paid a very small portion of the charged off amount which is not valid. This is the last time I intend to request the " charge off '' and reflected amount be removed. It doesn't show on any other accounts I settled therefore shouldn't on this one. If you can not correct it to reflect ONLY " settled .... '' then I'm demanding the entire account be deleted! This is the 4th or 5th time I've disputed this item. 

4. XXXX XXXX XXXXXXXX inquiry to be removed and is outdated this month 5. XXXX XXXX inquiry to be removed and is outdated this month 6. Misspelling of my name needs to be removed 7. outdated addresses previously disputed are still reflecting on their report that they sent to me on XXXX. Demanding once again that they be permanently deleted from all records per the FCRA laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX and XXXX is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS YOUR AUTHORTY? These companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that XXXX did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? XXXX closed my recent dispute without providing a reason. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX I have never heard of this company why are these companies allowing this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name : XXXX XXXX Last Four Digits of Social Security : XXXX Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Multiple Inquiries Dates Placed on Credit Report : XX/XX/XXXX and XX/XX/XXXX ( Twice ) Credit Bureau : Equifax Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of the unauthorized/unlawful inquiries referenced above. Please note that this is not an acknowledgment or acceptance of said inquiries, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute these inquiries pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt Collection Practices Act ). 

I recently received a copy of my Equifax credit report. The credit report includes these unauthorized/unlawful credit inquiries by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Equifax, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX and Equifax remove these offending inquiries from my credit file/report as they are damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Equifax to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve this matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to your assistance and a prompt resolution of this matter. 

Kindest regards, XXXX XXXX
Product: Checking or savings account

I opened a Bank of America ( BoA ) account on XX/XX/2022. I deposited XXXX dollars cash at an ATM on XX/XX/XXXX, after I received my debit card in my mailbox. Then, I ACH transfered approximately XXXX dollars from another bank account of mine to BoA on XX/XX/XXXX and XX/XX/XXXX. Then, on XX/XX/XXXX, Bank of America closed my account, the reason was " fraud ''. They provided no further detailed reason. All the money is my legal money, and they even don't want to see my proof of income. The XXXX dollars cash is from my parents, and the XXXX dollars I transfered from another bank is my salary. I've tried their telephone customer service, visited them in a branch and talked with the manager, but none of them can tell me the exact reason my account is closed. I didn't do anything related to " fraud ''. Their telephone customer service XXXX told me that I would never be able to open a Bank of America account again.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

went to XXXX XXXX of XXXX on XX/XX/2019. I attempted to purchase a car, and was approved for an auto loan. I decided not to move forward with the purchase and went to another auto maker dealership to purchase a new vehicle. 5 days after, on Friday XX/XX/2019 at around XXXX XXXX, I started receiving credit inquiries alert from different credit monitoring services. I found out that an auto loan application was submitted under my name by XXXX XXXX XXXX  XXXX. I contacted the dealership over the phone right away and did not receive an explanation. I drove over to the dealership that same night and was told that my name was " crossed with another customer '' who had my same last name ( XXXX XXXX ) as a letter that I requested from the dealership the day of the incident explains. About a week after, I started to receive auto loan application denial letters, and found out that my name was not really crossed with another client, I was actually added as a co-applicant with that same person that has my same last name. Two weeks after not receiving any updates from XXXX XXXX XXXX XXXX, I decided to contact XXXX XXXX XXXX headquarters, owners of the dealership, and they were able to have XXXX XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX, to contact me. He advise me to file a dispute with the credit bureaus as that was the quickest way to have the inquiries removed. On XX/XX/XXXX, my attorney XXXX XXXX XXXX, XXXX ; sent a letter to XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX in charge the day of the incident ), the letter requested the issue to be resolved within a timely manner. As of today, I have not been able to get the unauthorized credit inquiries deleted from my credit report, and was told by all three credit bureaus ( Equifax/XXXX/XXXX ) that they were valid, an that XXXX XXXX is who can have them removed. On XX/XX/XXXX, I met with the Finance Manager, Mr. XXXX, he was aware of the situation and was surprised that it was not taken care of. He personally offered to take care of the situation and was going to keep me informed. I have emailed Mr XXXX 3 times after I spoke with him and he hasnt responded or the problem been fixed. Help please!!! No entity seems to br able to assist me with this matter and set some type of example to companies like XXXX XXXX when they make unacceptable mistakes like adding someone without authorization into a loan application! Help me please!!!
Product: Debt collection

I am writing to file a formal complaint against SPRINGOAKCAP, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
SPRINGOAKCAP, with contact information at XXXX XXXX XXXX XXXX, VA XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that SPRINGOAKCAP has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against SPRINGOAKCAP to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold SPRINGOAKCAP accountable for their unlawful conduct.
Product: Credit reporting or other personal consumer reports

Please check the documents that I've sent. There are unauthorized inquiries on my file.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer profile and noticed I had fraudulent accounts on my consumer profile. Please remove these fraudulent accounts from my report as it is hurting my ability to obtain credit
Product: Credit card

A capital one card was opened in my name that I did not open myself. I have been a victim of identity theft. I also did a police report and the case number is XXXX XXXX  XXXX badge # XXXX.
Product: Debt collection

I am filing a formal complaint regarding a collection account listed on my credit report by Credit Collection Services, with the original creditor being XXXX. The collection amount is {$380.00}, and the account was opened on XX/XX/year>. 

I am disputing the accuracy of this debt because XXXX canceled my policy due to non-payment, despite my repeated attempts to make payments. After the cancellation, I was told that the policy would need to be rewritten. However, when I attempted to have the policy rewritten, XXXX denied me coverage entirely, citing the vehicles being owned by my XXXX, even though they had previously covered these same vehicles for over a year without issue. 

I would like to bring to your attention that the vehicles ownership has not changed and remains under the XXXX, and XXXX did not allow me to renew or rewrite the policy, resulting in this unfair collection. This collection account is a result of XXXX refusal to rewrite my policy, not due to any legitimate nonpayment of services rendered. 

I am requesting your assistance in investigating this matter and removing this collection from my credit report as it is inaccurate and unjust. 

Please let me know what further documentation you require from me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX expects me to pay them to bring my report up to date regarding the XXXX XXXXXXXX XXXX loan that was paid off in XX/XX/2022 - XXXX XXXX has then sent me the Title and confirmation the contract is now paid in full. 

However Experian here in XXXX is stating i have a unpaid balance which is not true! 
They have on their site XXXX and XXXX showing the account may be closed but a balance of {$4000.00} is remaining which is not true. 

The remaining balance at the time of pay off was XXXX  I sent them a electronic check way more than required to cover all expenses which closed and marked as paid! 

Look XXXX likes to XXXX people over, IRS already pulled that XXXX but this vureau is not XXXX and they've caused me so much trouble with lies and manipulation, if i could id love to have my name wiped off their data base. 
I have a stand alone sign in with XXXX, their site shows account PAID, CLOSED AND {$0.00} BALANCE, As for XXXX, I cant access anything singly.