23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Incident Date : XXXX My vehicle was taken from my sisters home. I was not sued or contacted by capital one at all. I have not been able to access my Capital One Account online for approximately one year because Capital One locked me out and requested that I provide my Bio Metrics to gain access again. By not being able to access my account I have not been able to provide any address updates or phone number updates so that Capital Could contact me. I call over a dozen times and was advised I could not visit a branch I could only use the link they provided to update BIO Metrics & gain access to make any updates on my account or retrieve billing statements. My account went 100 days past due during this time. 

Note : As of XX/XX/2024 I spoke with a very nice representative who has finally allowed me to update my phone number for contact and to allow me log in access after one year!!! 


My car was repossessed and XX/XX/2024 and On XX/XX/2024 I contacted the Lien Holder Capital One to satisfy my past due balance. I was advised to contact XXXX XXXX to retrieve my personal belongings & Vehicle. 

I contacted XXXX XXXX and was told by XXXX XXXX that I would not be able to retrieve my childrens medication, personal belongings or even my vehicle until 4days later because the company was under staffed, closed on the weekends & closed on the holiday. 

I advised that I need my childs medication & the staff member was very rude stating well what do you want me to do I cant cancel other peoples appointment just so you can get your things. We have transporters debtors and other people waiting. 

XXXX XXXX has taken on much more work than they can handle and because of greed consumers have to suffer. I would like a refund of my repo fee which was {$420.00} and statutory damages. 

Capital One is aware of the deceptive practices this company uses to run up additional fees and to put consumers at a disadvantage. Capital One has chosen to ignore the complaints in exchange for the lower prices charged by XXXX XXXX. 

I am not the first person this has happened too and ask that the XXXX/CFPB take action immediately against this company
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized fraudulent inquiries on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX had a Credit Card with XXXX XXXX. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I was late on my payments, so then XXXX XXXX closed the card and the account. I then continued to receive calls from the XXXX XXXX collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$13000.00} ; Medical XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Ford Motor Credit This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX  reporting Closed ; XXXX no status ; XXXX closed or paid/zero balance
Product: Credit card

Examine the attached documents. I want the bureau to start investigating these accounts that inaccurately show me as late, despite my consistent on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the XXXX XXXX you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest XXXX data breach has an impact on my information, which might have ended up in the wrong hands.
Product: Mortgage

On XX/XX/XXXX I received a letter from NewRez saying that they were placing Lender bought insurance against my property for lack of insurance between XX/XX/XXXX - XX/XX/XXXX. However, on XX/XX/XXXX, I had faxed over copies of flood insurance and hazard insurance. ( Fax Confirmation attached ). I again sent them copies on XX/XX/XXXX, Fax confirmation attached. On XX/XX/XXXX I called NewRez customer service and was told that they had copies of my required insurance documents and they would send the information over to the insurance department to get the lender placed insurance cancelled. On XX/XX/XXXX, my escrow account was billed for the lender placed insurance in the amount of XXXX. On XX/XX/XXXX, I contacted Newrez again and they stated that they would send the information over to the insurance department to get my escrow account refunded. THey also stated that I would receive a letter of cancellation. On XX/XX/XXXX I received a letter from NewRez Compliance department that no disbursement was made, therefor I was not entitled to a refund. They also stated in the letter that all insurance documents had been received in XX/XX/XXXX and that the lender placed insurance had been cancelled. I contacted NewRez again through their customer portal stating that my escrow account had been billed. Again I received another letter from their compliance department on XX/XX/XXXX stating that no disbursement had been made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX funding XXXX XXXX funding XXXX XXXX funding XXXX These accounts have inaccurate information and a large amount of late payments reporting which is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

TRANSUNION continues to report these accounts unlawfully, as the other 2 Credit reporting agencies have removed this erroneous information.

I need these accounts removed from my credit report immediately, as they are negatively affecting my life and ability to acquire any financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. 01 XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX. XXXX   XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.
Product: Credit card

I am disputing the collection account with AMEX, account XXXXXXXX XXXX XXXX, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AMEX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

A lady named XXXX XXXX left me a message and called my mother in law. She said she was from XXXX XXXX XXXX ext XXXX and she was going to sue me for check fraud from a debt owed to check n go from 2013 and also called my mother in law and told her she and my father in law would have to go to court also. She states the balance is {$2600.00} and if it goes to court it would be over {$20000.00}. She gave my mother inlaw all of the information also. 
Case # XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen. My driver 's license and other personal identifiable information like my social security card were taken and used to obtain a lease in my name. 

I have submitted a Identity theft report ( police report ) and have contacted authorities. I believe it to be my own brother because he has done things like this in the past. I have never lived in XXXX Arizona. That's where the property is. 

Again, I have NEVER lived in XXXX Arizona and I did not live at the property. 

I have documentation that proves my identity was stolen.
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. Despite 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/1924 and XX/XX/1924. I have attached a copy of the identity theft police report to this complaint.
Product: Mortgage

We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXXXXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Experian via certified mail with return receipt on XX/XX/2022, This letter was recieved by them on XX/XX/2022. Today is currently XX/XX/2022 and I have yet to receive a response in the mail regarding inaccurate information being reported on my consumer report. On several XXXX XXXX accounts Experian is reporting these accounts as 90 days late ; I have explained to them that I was never late and have requested that they update these accounts to paid on time. In addition the payment history on all of the accounts shows a 90 day late, but there was never a 30 or 60 day late reported on any of the accounts. How can I be 90 days late if I was never 30 or 60 days late. This information is inaccurate and needs to be corrected to paid on time for all of the accounts submitted. I have attached an example of the way this is being displayed below and have provided a copy of the letter as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed a collection account on my credit report. The alleged debt is for the amount of {$3600.00} and the account number is listed as XXXX. 

I have disputed this alleged debt in the past, and the collection agency has not provided me with competent evidence that I am legally obligated to pay.
Product: Credit reporting

Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate and challenge fraudulent activity on my account, when Experian had a reasonable duty to do so, potentially leading to significant financial losses for the account holder due to their inaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion. Despite my initial contact on XX/XX/XXXX, I have not received a response from them to date. As a result, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections that I require : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that TransUnion removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that TransUnion corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that TransUnion removes this account entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Money transfers

Summary of complaint : 1. In violation of PayPal User Agreement, Section XXXX, PayPal failed to properly investigate and protect me against unauthorized charges and illegal selling practices, in which Seller doubled my order without authorization, and then refused to refund the extra item unless I pay restock and shipping fees which exceed the refund value. 

2. PayPal failed to provide an explanation of their decision to deny my claim, which is in violation of PayPal User Agreement, Section XXXX : " If we decide that there was not an error, we will include an explanation of our decision in our email to you. '' 3. PayPal refused to provide documents used in the investigation, which is also in violation of PayPal User XXXX, XXXX XXXX : " You may request copies of the documents that we used in our investigation. '' Summary and timeline of transaction and dispute : XXXX/XXXX/XXXX : XXXX. XXXX XXXX : I order a Sweater, size Small, from XXXX ; paying via PayPal. 
XXXX. XXXX XXXX : I review email from XXXX and notice invoice is for size Medium. 
XXXX. XXXX XXXX : I respond by requesting XXXX to cancel wrong order and send size Small. 

XXXX/XXXX/XXXX : Three ( 3 ) days after my request to cancel the incorrect order, XXXX ships out XXXX orders, XXXX ( XXXX ) Small and XXXX ( XXXX ) Medium, from XXXX, XXXX. 

XXXX/XXXX/XXXX : After discovering that XXXX has shipped and charged me for both sweaters, I advise XXXX of the error and request to return the incorrect order. 

XXXX/XXXX/XXXX : XXXX responds " we sent you size M, by the way, we are XXXX size, it will run a little small.we think M is better for u '' XXXX/XXXX/XXXX - XXXX/XXXX/XXXX : After three ( 3 ) weeks of poor communication with XXXX, XXXX finally agrees to accept a return if I pay {$30.00} shipping, and after receiving the item they will deduct a XXXX % restock fee and issue a refund of only XXXX % of the original cost. 

XXXX/XXXX/XXXX : Frustrated with the slow/poor communication, I report the issue to PayPal in hopes of a more timely resolution. 

XXXX/XXXX/XXXX : 1. I receive an email stating that PayPal denied and closed my claim, with no explanation as to why. This email states : " If you 'd like a copy of the documentation we used in the investigation of your unauthorized account use claim, email us at XXXXXXXXXXXX ... '' 2. I send an email to XXXXXXXXXXXX, requesting the documentation used in the investigation. 

XXXX/XXXX/XXXX : I receive an email from XXXXXXXXXXXX refusing my request for documentation, stating, " To request information about a customer? s PayPal account, an attorney or law enforcement officer must submit a legal subpoena. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my free credit report on XX/XX/2022. I can not access my report because Transunion claims I have an open dispute.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year>2024, I requested a copy of my consumer credit report from Equifax. To date I have not received said report. It has been 36 days since I submit my request, well in excess of the 15 days required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to address inaccurate information on my credit report and violating my rights under the Fair Credit Reporting Act ( FCRA ). Recently, I received correspondence from TransUnion accusing me of using a third party to send disputes on my behalf, which is false. This is clearly a stall tactic to avoid correcting or removing the inaccurate information on my credit report. 

TransUnion has failed to perform its due diligence in investigating my disputes. Under Cushman v. TransUnion, the company is required to independently verify the validity of the information reported, rather than relying solely on creditors claims. 

I demand the immediate removal of the disputed items from my credit report. Attached is a true bill outlining the violations TransUnion has committed, along with an invoice for damages. Payment for these violations is to be remitted to the address listed on the invoice.