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

I have disputed a collections account from XXXX XXXX XXXX   on my XXXX credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either XXXX  or XXXX. 
I have informed XXXX  multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.
Product: Credit card or prepaid card

I have already attempted to resolve this with Chase Credit Cards on numerous occasions, and still I am being ignored. I was charged numerous fees for items that I never purchased on both my Chase Slate and my Chase Amazon CARD, without my express approval. I did not give the company permission to take the large amounts and tack them onto my card. I did not make these purchases, and will not be paying them.
Product: Mortgage

My problem is with the servicer of my FHA mortgage loan, Loancare. I was facing a foreclosure sale date and filed bankruptcy in order to give me a chance to negotiate and be considered for government programs. However Loan Care sold my home anyway!! I then had to go through a process with the Master Commissioner to get the sale voided. Once this happened LoanCare assured me they would review me for government options for assistance. However, after sending my paperwork in they made excuse after excuse and continually lost paperwork and never actually conducted a review. They assured me my sale date was on hold but then they went and sold my home AGAIN last week! Instead of considering me for modification or partial claim or repayment plan they tried to sold my home! I wanted to file this complaint because I think Loancare is violating the servicing guidelines for a loan backed by HUD I live in this home with my wife and XXXX daughter. I was excited as a first-time homebuyer to qualify for this loan due to my income and steady employment at the XXXX XXXX XXXX. Problems started a little over a year ago when my hours were cut by 1/3rd. This was unexpected and I could not make ends meet for a time and missed a couple of mortgage payments. When I contacted Loancare to try and resolve this matter they told me they did not want a partial payment or a single payment. They wanted the whole past due amount along with late fees. I was only two months behind at that moment, but was still struggling and could not afford to make two payments at once plus all the late fees and junk fees that Loancare had added. Due to this I fell further behind. I asked Loancare for other options. I asked for the opportunity to apply for a loan modification but was told there was only one option, reinstatement in full. 

Loancare has failed to follow the rules for the servicing of an FHA loan. They have not conducted a review of my current and correct financial information nor have they assigned a single point of contact. They have not allowed me to apply for any homeowner assistance options such as modification, partial claim, special forbearance or repayment plan and have obstructed my efforts to save my home and have instead pushed me into foreclosure. Additionally, they failed to provide any Occupied Conveyance paperwork for me, which I think they are supposed to send out PRIOR to setting any type of foreclosure sale date. 

I am beyond frustrated with this company. I just wanted an opportunity to be reviewed for these programs now that my temporary financial hardship is over. However Loan Care went and sold my house instead.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The complaint is against XXXX XXXX XXXX. They take interest out of extra principal applied each month. I called in to correct it and was told that customers have to call in to correct it each time. My question to them was why should a customer have to call you each time? 2nd- what if I never called you? I want to know if a customer never calls you about extra money sent for principal- what happens to the interest you deducted? Does Kia keep it if I never call you? I think their current system promotes loan fraud and should be investigated. I contacted them XXXX18 and they could not answer my questions. They did say they would correct my payments, but I have not seen that applied. I need to know what the ETA is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX on Transunion and XXXX
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, Capital One proceeded to block my accounts and locked me out of my accounts after my call with their representative dropped. I was no longer able to access my online bank or credit card account. Furthermore, I recieved multiple emails from Capital one stating I had a past due payment on my credit card account. I recieved an email notice from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I recieved an email notice about my past due payments, I tried to access my account in order to make a payment which I was not able to due to my accounts being locked. I made several attempts to reach Capital One and was unable to. I was sent to a voicemail asking me to leave a message and someone would get back to me IF they felt it was necessary. So, I couldnt even call them to fix the problem since they wouldnt take my calls. I made attempts to reach capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left voicemails as well regarding my access to my accounts. I did not hear back from Capital One until XX/XX/XXXX at XXXX. They were able to give me access to my account and I noticed I was charged past due late fees. I asked if they could reverse the late fees since I was locked out of my accounts during the time my payments were due. They denied to reverse the charges.
Product: Debt collection

I was beating by a patient while working in a XXXX XXXX XXXX.my employer to me ER and paid the bills which happen in XX/XX/XXXX.Just XX/XX/XXXX I found a credit report with a medical bill on it and i called the agency and they told me that i own them of which my company told me they paid everything.My CEO ask me to let them known that they are responsible so they should send it to them.They just hang the phone on me.Anytime i called they said i should paid or it will on my credit.Of which i not responsible for it.
Product: Checking or savings account

On XX/XX/XXXX, XXXX {$25.00} payments were taken out of my savings account via ACH by XXXX, listed as " ACH Withdrawal XXXX XXXX RETURN FEE. '' These transactions were subsequently returned on XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, I called XXXX to inquire about these charges and spoke with an agent named XXXX XXXX. She stated that she could not see any such transactions on my account. It has been several months since I returned anything to XXXX, and there was no prior policy indicating I would be charged any type of return fee. This situation is fraudulent, and XXXX is effectively stealing from me.
Product: Debt collection

I have a debt filed by National Credit Systems for XXXX reported XX/XX/2020. In regards to technicality, a formal letter was never received notifying me of the inaccurate collections before it was put on my report by the agency.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The following employment info is reporting incorrectly and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately : XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

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 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
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information contained in my consumer report, as provided by your agency. Upon reviewing my report, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns regarding my privacy rights, as I was never afforded the opportunity to opt-out, as mandated by law. 

Upon careful examination of the report, I noted that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I reference 15 USC 1681b - Permissible Purpose, which necessitates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be construed as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : 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  : XX/XX/XXXX I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt-out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Mortgage

My current mortgage loan servicer, Nationstar Mortgage, illegally and/or erroneously reported to the national credit bureaus in XXXX XXXX that my current mortgage is {$34000.00} past due. This amount they reported includes {$32000.00} of deferred principal that is not due/payable until the loan matures in XXXX/XXXX/XXXX. This deferred principal of {$32000.00} was granted in my mortgage loan modification with XXXX XXXX effective XXXX XXXX, XXXX. This fact of {$32000.00} deferred principal, which is not currently due or past due, is stated in the attached HAMA Loan Modification Agreement under item XXXX on page XXXX XXXX. This illegal reporting caused my current credit union provider, XXXX XXXX XXXX, to deny my application for a {$25000.00} car loan in XXXX XXXX.
Product: Debt collection

I have no contract showing that this debt is owed with this company and they have failed to provide adequate information so this needs to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked two round trip tickets for XXXX XXXX, my wife, and myself on XXXX XXXX, XXXX to XXXX w return. Although we live in XXXX our Grandchildren are in XXXX so we decided to spend time with them before and after the trip. This trip was to celebrate XXXX 's XXXX birthday. 

In XXXX of XXXX I saw that our flights were removed from the XXXX XXXX schedule and that they were going bankrupt. I filed a dispute for both tickets with my Citibank Mastercard. 

In XX/XX/XXXX I received formal flight cancellation notices from XXXX XXXX for both round trip itineraries. Email, telephone and online attempts to recover the money still owed to me by XXXX were useless. 

In XX/XX/XXXX one round trip ticket was credited to my account. I tried to file again on line but the " Dispute A Charge '' button was greyed out for these 4 transactions. 

In XX/XX/XXXX I mailed CitiBank all the documents I had requesting a refund for the other flight. 

In XX/XX/XXXX they refunded XXXX for one flight but not the XXXX for the other remaining flight. 

In XX/XX/XXXX I made another attempt to remedy the situation with Citibank and XXXX XXXX. Although I filed in a timely manner, their response was that too much time had passed. 

XXXX XXXX XXXX Page 1 shows the 4 charges to XXXX XXXX. Page 2 shows the three conditional credits which all became permanent. 

CLOSED DISPUTE.pdf shows the matter is closed from the point of view of Citibank. 

XXXX TO XXXX & XXXX TO XXXX XXXX show the flights were indeed cancelled. No service was received but my money was swiftly taken. 

It makes no sense that three of the four charges were refunded and not the fourth of four. 

Each time I summitted a compliant about the charges I did it for all of the flights or tried but the online system was not always usable. Twice I submitted documents by mail to introduce and prove my points. 

I am still owed XXXX for the service that was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to get inquires for credit I did not make.
Product: Debt collection

XX/XX/XXXX To Whom This May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Opened : XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA and when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Warm Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Payday loan, title loan, or personal loan

Loan Me took advantage of me at a difficult time in my life -- my husband had just died and I was frantically looking for a way to lower my expenses. They have since changed to XXXX. 
They are charging me 22.6 % on a 15 year loan on {$52000.00}. My dollar amount the credit will cost me is {$130000.00}. They are charging me a prepaid finance charge of {$17000.00}. As of my 26th payment, I still owe {$67000.00}. This just seems criminal to me. Can they do this legally? In addition, I'm not allowed to schedule an automatic payment from my bank to them. They just take it out of my bank account. I'm just a little scared of them.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX XXXX XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )