23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I sent a financial hardship letter to Capital One Corporate Office on XXXX XXXX, 2015. At that time, my balance was {$1400.00}. This includes late fees and interested. XXXX XXXX responded from the office of the President on XXXX XXXX, 2015. I spoke with him over the phone as well. XXXX XXXX placed my account into their repossession department, froze my access to my account online, which does not allow me to view the payments that are being applied to my account. In his letter, the balance that I was told was past due is {$1700.00}. On XXXX XXXX, XXXX XXXX also told me that my loan was too new to do anything, plus the value of the vehicle was not worth enough to work with me on lowering the interest or the payments. When I contacted the number that he provided, I was told that my balance was {$1900.00}, and that my loan was suspended. In order to prevent the vehicle from being repossessed, I had to pay a settlement amount of {$440.00}. I paid this amount, and asked what was the remaining balance. They could not provide an immediate response. Each time I contact Capital One, the balance is going up, and they are not applying my payments! I am being taken by interest and late fees. I spoke to an XXXX over the phone this past Thursday, I made a payment plan with her, however, she refused to provide anything in writing showing what has been paid, what is owed, and what is charged. She did say that she is forwarding the payments that I have made to the appropriate department to make sure that they are being applied. My payment history is as follows : XXXX/XXXX/15 {$440.00}, XXXX/XXXX/15 {$300.00}, XXXX/XXXX/15 {$370.00}, XXXX/XXXX/15 {$650.00}. Currently, I have paid Capital One {$1700.00}! It is astounding how I still owe them {$150.00} from now until XXXX! Where is all this money going? Why do they keep going up on my balance? This is the most awful company that I have EVER had to deal with. They are leeches to the core! I would recommend them to no one. I am waiting for the day to not have to do business with them, but meanwhile, I am doing the best that I can to repair and maintain my already damaged credit. I need straight answers from them now, or, I will have to see legal counsel.
Product: Money transfer, virtual currency, or money service

Deposited a non insignificant amount of digital currency into the site, Coinbase.com. The transfer was from a trading account on a separate and unrelated site, XXXX. Coinbase received the transfer of bitcoins. I decided a few days later I no longer wanted to liquidate my position on coinbase so I attempted to transfer the coins back into a wallet I control ( as in owning the private keys and not on an exchange ). However, coinbase would not let me withdraw my coins and demanded further identification. Identification that I had on file should have been good enough since I had bought coins on coinbase before even back in XXXX. I attempted to submit identification anyway though coinbase and even though I followed the instructions carefully, it would reject my ID without given a reason code. After calling a customer support to help me withdraw my coins, he told me that I would have to submit even more documentation and that it would take 3-5 days. I asked him how could this happen and he abrubptly hung up the phone. His name was XXXX, and had me on hold for over 90 minutes at one point as well. Very unprofessional and at this current time, the situation is tantamount to theft. I leave my position open on bitcoins and I am supposed to wait 3 - 5 days AFTER submitting MORE documentation without even having purchased those coins on coinbase in the first place. It 's ridiculously negligent.
Product: Debt collection

XXXX   XXXX   XXXX  is a California  Limited Liability Partnership lo cated in  XXXX   XXXX , CA owned and operated by G.H.  XXXX   XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX .     From my understanding they are attempting to collect {$6700.00} for an apartment lease for their property The  XXXX  that I was NOT responsible for. I reached out to this firm shortly after reviewing the error on my credit report.  XXXX   XXXX   XXXX  of  Kimball Tirey & St. John  provided insufficient documentation to validate the debt on or about  XXXX   XXXX ,   XXXX  . The names listed on the lease were that of TWO other consumers. The only signatures and initials on the lease that  XXXX    XXXX     XXXX  attorneys provided were that of those two ONLY. My signatures and initials were never on these documents. This is NOT my lease nor my debt.     I sent out dispute letters on  XXXX   XXXX ,   XXXX   to all  XXXX  credit bureaus to conduct their own investigations.  XXXX  is the ONLY bureau who has validated this debt.  XXXX  has since deleted this account.  XXXX  is still conducting their investigati on. Kimball Tirey & St. John have b een reporting this account incorrectly on my credit report for over 2 years. They have caused financial harm and distress by reporting this account. Not only is the debt not mine, it is listed as an individual account, when in fact it is a joint account of the actual lease holders. This continued reporting of erroneous information has forced me to obtain counsel for possible litigation again st Kimball Tirey & St. John  for violation of provisions under the FDCPA and FCRA.     Without proof of this alleged item, specifically the contract WITH MY SIGNATURE & INITIALS, the item must be deleted immediately from all credit reports bearing my name.  Kimball Tirey & St. John  have failed in providing any such documents with this information. They have only provided a few pages from an incomplete lease agreement with other consumers names, signatures and initials and a ledger as proof of debt. This is unacceptable.     If this final request does not prom pt Kimball Tirey & St. John t o conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit in  XXXX   XXXX  County for damages. I take my credit very seriously and the lack of professionalism and assistance in this matter has been outrageous. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Mortgage

We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, XXXX and XXXX asking for verfication of a Public Record as incorrect information is listed. I have been requesting this since at a minimum of XX/XX/2021. The responses I get send me in Circles. They ALL say it was verified through lexisNexis and then LexisNexis either responds they are unable to process it or that they are reaching out to the credit bureaus whom say that they verified it with LexisNexis. I also reached out to my court house to see if maybe they reported incorrect information which would make sense that the information is incorrect. But they resonded that they have no affiliation or communication wiht any credit bureau. But it is a public record so someone may have mixed and merged my information when they were obtaining the public information from PACER. It was explained to me that all information on my credit report needs to be true and accurate across the board and the only way to do that is to obtain it from the original source. If they original source does not communicate with credit bureaus how is this Legal? I am at wit ends as I hae made multiple attempts to get this resolved and just get send around in circles when LexisNexis is housing the incorrect infoamion and sharing it amongst at a minimum XXXX, XXXX and XXXX and possibly any of the other 3rd party bureaus.
Product: Debt collection

This company sent the service notice to my parent 's house where I do not live during the time when they were on vacations. They created a fake person, name and description ( this is also racism because the person does not have any of the physical features of anybody in my family but they stereotyped the person ) They never left a notice that I was being sued in a county where I do not live, I have the proof that I do not have anyone with the name XXXX XXXX living at that address and I never received any documents form them because I do not live in XXXX county.
Product: Debt collection

This company has ignored my written request to verify the debt and is contacting people I know telling them I have a debt. They have contacted an acquaintance of mine twice in one week stating that I owe a debt.
Product: Credit reporting or other personal consumer reports

On several occasions, I asked ExperianXXXX, to correct the matter. They have let XXXX XXXX, to falsely and fraudulently report false information to my consumer report. They have continued to let them destroy my credit, cause me sleepless nights, and other hardships by reporting 120 days late when in fact I have a document and proof that they received {$20000.00} on XX/XX/XXXX, {$4600.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Today 's date is XX/XX/XXXX, with 3 months of consecutive payments it's impossible for me to be 120 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
MXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I got a call from a number, the associate on the phone stated that the Company attempting to collect the debt was XXXX XXXX. While they put me on a brief hold, I looked up the company 's number as I have NEVER conducted business with this company. I checked to see if it was possibly an affiliate number for someone I had conducted business in the past but instead found a plethura of complaints against them citing their abusive language their robocalls. I stayed on the line to let them know that I am on the Do Not Call List. ( est. 2005 ) They begin trying to verify my identity. This is a tactic they use to " verify '' the debt. I let them know that the name they gave was a former name I used and that I do not give out my personal information over the phone for faud and identity theft reasons as there are lots of scammers. I requested them to send me documentation with my signature that proves that I am liable for this debt as well as the master purchaser agreement. I also asked to send me any documentation via mail for me to review if they believed that I owed this debt. They hung on me. This was all on a recorded line as they stated at the beginning of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to get assistance with XXXX XXXX. I XXXX with the Delaware XXXX XXXX XXXX XXXX XXXX XXXX Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for XXXX. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from XXXX in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. 50 U.S. Code Chapter 50-Servicemembers Civil Relief declares in the case of a member of the XXXX XXXX, includes service under a call to active service authorized by the President or the Secretary of XXXX for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is 3952. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from Transunion, Equifax, and Experian immediately and permanently. As a XXXX, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.
Product: Credit reporting or other personal consumer reports

My information on XXXX has been found in the data breach, p, ease remove all accounts on my XXXX credit report. 

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

I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccurate reporting of a late payment under my credit file. The payment in question was made on time. 

Specifically, my report shows a late payment for XX/XX/year> for the account XXXX XXXX XXXX  XXXX XXXX account number XXXX. This is incorrect, as the payment was made on time. 

Please investigate this matter and update my credit report to reflect the correct information. 

Thank you for your prompt attention to this issue.
Product: Credit card

ELAN FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Iam writing ot bring ot your attention afraudulent transaction that was made from my account on XXXX XX/XX/XXXX and attached information for fraudulent transactions Iwas shocked to discover that {$2800.00} was withdrawn from my account without my authorization or knowledge. 
I request that you investigate this matter thoroughly and take the necessary steps to refund the amount that was fraudulently taken from my account. I also request that you take measures ot prevent such incidents from occurring ni the future. 
Icalled customer service to cancel the card and Ialso called several times to the fraud department, and Idid not get any response Please investigate this matter urgently and keep me informed of the progress of your investigation. Iwould appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 a 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: Mortgage

In XX/XX/XXXX Mr. Cooper Mortgage Company acquired my mortgage from Nationstar Mortgage. I pay into an escrow account for taxes and insurance. On XX/XX/XXXX, Mr. Cooper mailed a letter indicating that the insurance company I have used for the past 28 years did not meet their requirements and they would not renew the policy. The policy expired XX/XX/XXXX. I received the mailed letter on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX, the insurance company I had been using had an XXXX XXXX rating of B in XXXX of XXXX. In XXXX of XXXX Nationstar Mortgage renewed my insurance policy without issue. 

I took no action to change my mortgage company. The change was solely the result of actions by Mr Cooper to acquire my mortgage. Mr Cooper had access to my insurance records and the insurance company ratings for seven months. During this time Mr Cooper failed to provide any indication that the insurance company did not meet their standards. This failure led to my home going uninsured for three weeks. 

I obtained a new insurance policy ( two policies ) on XX/XX/XXXX. 

Mr Cooper sent notice that due to the lapse in insurance they intended to purchase insurance to, retroactively, insure my home and charge me an excessive rate for this forced insurance policy. 

I am seeking protection from this excessive charge. The lapse in my insurance was wholly due to Mr Coopers purchase of my home mortgage and their failure to notify me of new insurance requirements that were directly the result of their acquisition of my mortgage. At no time did I intend to have a lapse in insurance. I paid into an escrow account with the full understanding that the funds were being collected to pay for renewal of my insurance policy. If Mr Cooper had made timely notification of the new requirements for insurance coverage that were necessary due to their acquisition of my mortgage I would have taken prompt and proper action to ensure my home had seamless coverage.
Product: Student loan

I received a XXXX or Loan to Learn private student loan for 8000 approximately. I was paying out of state tuition at the time and had to get. Private student Loan. Once I graduated XXXX contacted me to set up payments. I sent three payments with money orders. My fourth payment got sent back to me and so did the fifth. I contacted them and I was told that my loan was bought out. I was told I would be contacted on who to send payments too. I was never contacted. I then got a judgement placed under my credit which is triple the amount borrowed. Now I make payments to a lawyer. I have not received tax forms. I am unable to talk to someone about the balance, tax forms, and possibly a pay off amount. On the website the phone number is not valid. It only provides an email address and I have used this method of contact several times and only get told tax forms were mailed yet I never received mine. I ask more questions and never get a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an XXXX the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is  powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX
Product: Vehicle loan or lease

Credit Acceptance refuse to take the repossession off my account when the remaining balance of around XXXX has been paid/charged off.
Product: Checking or savings account

Bank of America allowed someone to open an account under my name and I have been unsuccessful in reaching anyone who was willing to help. I received several emails about the account being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.
Product: Debt collection

COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX