23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian refused to allow me to log into my account. They sent 8 password and username emails and none worked. This means they locked me out of my account. They then removed my paid account and asked me to log in and it still did not work. Experian employees stole my account and refused to let me in.
Product: Debt collection

According to the FDCPA, I contacted the collection agency Receivables Performance Management ( RPM ) and asked it to verify an alleged debt. RPM did not verify the debt. Nevertheless, RPM continued calling me several times a day and as of today is reporting an unverified debt to XXXX, XXXX and XXXX in flagrant violation of the law. 

I attaching copy of my letter to the collection agency, asking it to validate the alleged debt and the receipt showing that I sent the letter via certified mail with signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency or the original creditor.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.
Product: Debt collection

I requested that I.C. Systems validate this debt with documentation. The company did not respond and did not provide any information to me. It has been 44 days since my request, which is past the required 30 days to respond. This account must be deleted from my credit report and all attempts to collect must be stopped.
Product: Credit reporting or other personal consumer reports

Accounts have been opened without my knowledge or consent. Creditors have failed to delete items that were disputed and failed to provide procedure and method of investigations and evidence supporting accounts belong to me. Due to Identity theft these accounts should be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was purchasing furniture at XXXX 's XXXX in XXXX, Maine and was prepared to pay for my entire purchase in cash. The salesperson convinced me that they had financing that would have no interest or fees for twelve months and so it was " same as cash ''. I said I would be interested in that and the salesperson asked me for some information and signed me up. I did not get any terms or paperwork. After making the purchase I received my first bill and there was an annual fee of {$49.00}. 

I contacted Fortiva and they refused to refund the charge and were unable to provide any signature or proof that I received and/or agreed to their terms. When I asked for more information they would transfer me to someone else who would just state the same things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'Santander '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called Santander today XX/XX/XXXX, Santander has no record of me making any payment since XXXX. Santander will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with Santander as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. Santander Auto Finance, XXXX, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.
Product: Vehicle loan or lease

I sent a good faith letter in XX/XX/XXXXXXXX  asking Bridgecrest to remove a couple of 30 day late payments. I was denied. I also asked them to correct late payments placed on my credit report that was paid on time as of this time it has not been corrected. A few days ago XX/XX/XXXX Bridgecrest had my XXXX payment listed on my credit report as 30 days late. The payment was due on the XXXX and I paid it on the XXXX that was 11 days late and not 30 days late. I also sent them documentation from my bank on three other occasions were payment were made on time or before time and it was not corrected. Three payments from last year and prior years on my credit report has not been corrected with the bureaus and they are incorrect. This causes high interest rates on credit cards, high auto insurance, and low credit scores.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX NA - XX/XX/year> The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Checking or savings account

Citi Bank had an offer that on opening a new account and depositing {$15000.00} or more within 30 days and maintaining the balance more than {$15000.00} for 60 days ; they would give {$400.00} bonus and it will be added to the account within 90 days after all the requirements are fulfilled. 

I opened the account around XX/XX/2018 and deposited more than {$15000.00} on XX/XX/2018. I maintained that balance for more than 60 days ( for more than 5 and half months as of now ). So, I have fulfilled all the requirements of the offer and Citi bank has also confirmed that. I should have received {$400.00} before XXXXXX/XX/2018. However, as of XX/XX/2018, I still haven't received the {$400.00} bonus amount. 

I contacted the bank multiple times and have opened a ticket for more than 2 weeks now as well and they still haven't resolved the issue or provide any further update on the issue. They still don't have a clear timeline when I will receive the bonus amount.
Product: Vehicle loan or lease

In XXXX of last year, the Santander bank accepted a loan for me to take out an XXXX XXXX XXXX car with XXXX, due to the high fees. I spoke with my bank, XXXX  XXXX XXXX, and they approved the refinancing. To date, the installments were up to date, on XX/XX/XXXX they sent me the pay off of the total car debt, immediately send this to the XXXX  XXXX XXXX. and XXXX XXXX  XXXX paid XXXX Santander the value that Santander had sent in the Payoff. Last week I received a bill for almost {$1400.00} dollars after two months of having settled the car debt with XXXX Santander, I called XXXX Santander because that bill had arrived. For which the loan had already been closed with them, they only replied that the entire debt was not paid, I called my XXXX  XXXX  XXXX and told them about the situation with the Santander bank, then they told me that it was not Bank 's fault of America, because they paid the payoff that the Santander bank sent me to pay them. To this day I don't understand why two months later they send me an invoice for {$1400.00} dollars and I'm out of work, and Santander calls me all the time to charge me if not, they report me for damaging my credit.
Product: Mortgage

We sold our home on XX/XX/2021. We closed with the attorneys present. The title was presented as clear and was fully transferred at the time of closing. Additionally, the loan was paid off at time of closing as was required. We received confirmation from the lender ( XXXX XXXX ) on XX/XX/2021 that the relevant loan ( # XXXX ) was paid off. We recently received a letter from the Chicago Title Insurance Company stating that we owe them {$22000.00} from a debt associated with the loan.
Product: Checking or savings account

My mother passed on XX/XX/year>. When I received her death certificate I took it to my local Bank of America banking center. I am payable on death on all but one of her accounts ( and account she shared with my father from whom she is divorced ). I was informed that I needed to provide them a copy of the death certificate ( which I did ) and I would be contacted by Bank of America with further instructions. 4 weeks passed and I did not receive any contact from BOA however I did receive a letter for my father with instructions on how he could claim sole ownership of the shared account. I returned to Bank of America and was informed by the bank manager that the scan they took of the death certificate was incomplete so it was rejected. She also informed me that I need to sign a letter of instruction detailing how I wanted to funds to be transferred in person at the bank before anything could be processed. She assured me that she would personally follow up with Bank of Americas Estate unit to ensure timely processing. Another week after that and I STILL do not have the money. I tried calling the bank manager several days times with no response so I called the estate unit myself. They said they had the death certificate and the letter of instruction but that no one had called them to let them know that I had run into any issues or to expedite the claim. After over an hour on the phone he said the best they could do was process the claim in 2-5 business days. Legally the money in my mothers accounts belongs to me. Bank of America has no right to withhold that money from me.
Product: Vehicle loan or lease

The company has sent me three different account number after I've spoken them about issues w/ my loan. I've tried logging in online to make my payment, but it does not provide me the option as there are three accounts linked to my VIN. I've tried calling the company, but I keep getting this message : " Due to high call volume we are experience longer than normal wait times. Please try you call again later '' then the system hangs up on me. I literally can not make contact w/ the company to make my payment. This is a new loan, I'm not sure what account number to mail my payment to, I can not make it online, and I can not call in to make my payment.
Product: Checking or savings account

Albert had a bonus promotion back in XXXX, 2023. I qualified for all the rules posted on their website at the time : ( 1 ) Confirm you are eligible for the direct deposit program ; ( 2 ) Set up direct deposit with Albert Cash ; ( 3 ) Receive a qualifying direct deposit of {$500.00} or more within 45 days of joining Albert ; ( 4 ) Receive a qualifying deposit of {$500.00} or more every 30 days for 90 consecutive days ; ( 5 ) Use your Cash card to spend {$200.00} or more on qualifying goods or services every 30 days during the same 90-day period ; And ( 6 ) Meet all of the above requirements within 150 days of joining Albert. 

I opened the account in XXXX, 2023. From XXXX to XXXX, I had direct deposits totaling {$810.00} and debit purchases totaling {$200.00}. 

From XXXX to XXXX, {$910.00} in direct deposits, {$330.00} in debit purchases. 

From XXXX to XXXX, XXXX in direct deposits, {$320.00} in debit purchases. 

After emailing back-and-forth several times, they continually tell me that I did not qualify for the bonus, even though I clearly did. They are refusing to pay out my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Bankruptcy was dismissed in XXXX, XXXX. And, it was deleted from my credit file but my credit score wasn't updated to reflect the bankruptcy being deleted. 

I can't dispute it since it isn't on my credit bureau report. I contacted Equifax on XX/XX/XXXX and spoke with XXXX, who informed me that the only thing that she could do was to provide me with an updated credit report. This doesn't reflect the update of my credit score when the Bankruptcy was deleted in XXXX. I explained this several times and ways and couldn't get it through to XXXX. I asked for a supervisor but none were available and would tell me the same information, per XXXX. 

I am reaching out for assistance with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX home loans reported to credit bureau that my mortgage was XXXX days late in XX/XX/year>. My mortgage payment was XXXX days late and should not have been reported. Attempted to file a dispute but was not resolved
Product: Vehicle loan or lease

Subject : Potential violations of the Equal Credit Opportunity Act ( REGULATION B ). 

I am writing to report a potential violation of the Equal Credit Opportunity Act ( REGULATION B ) by Capital One XXXX XXXX regarding my application ( Reference # XXXX ). Allow me to briefly explain. 

On XX/XX/XXXX, I applied my credits through Capital One to be able to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for {$48000.00}. Capital One has received my XXXX XXXX  on XX/XX/XXXX and did not issue such credits I applied. Capital One has provided me with false and/or misleading information about the reason for the denial of my application. 

Capital One has verified my Identity through XXXX, and should have ONLY considered my age for the purpose of determining a pertinent element of creditworthiness regarding the approval of my application pursuant to section 1002.2 of Regulation B. I am above 18 and I have the capacity to contract. Capital One has evaluated my personal information ( which is also a violation of my privacy ), then informed me of what was affecting my credit score ( which I also did not request ). Then tried to manipulate me into believing the reason for the denial was because of my credit history according to the adverse notice I received on XX/XX/XXXX from Capital One regarding my application. I believe Capital One has discriminated against me on a prohibited basis ( Age ), Capital One has also obtained my consumer report under false pretense or knowingly without a permissible purpose. I tried to resolve this issue with Capital One through mail on XX/XX/XXXX. I received no response from Capital One regarding this issue, which has led me to file this Complaint. I trust that the CFPB will enforce compliance with Regulation B regarding Capital One. If there was a principal reason for the denial of my request, I should have disclosures required in section 202.9 of Regulation B by XX/XX/XXXX. If there is no lawful reason for not providing credits on my behalf, I demand Capital one to approve my request as soon as possible, before XX/XX/XXXX. 

I hope this issue does not need to escalate any further. I look forward to doing great business with Capital One. Maybe there was an inadvertent error on behalf of Capital One regarding my application. I understand mistakes can happen, and Capital One shall not be punished for inadvertent errors. 

I look forward to a timely corrective action on behalf of the CFPB and for Capital One to implement measures to make sure this issue does not occur and cause consumer harm. Thank you for your attention to this matter to whomever may be in possession of this complaint. I am a natural living man ; I am above XXXXXXXX XXXX XXXX XXXX, and I have the capacity to contract. Done in good faith.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there was some things that was not correct. I sent a letter to XXXX, XXXX, and Equifax on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

On or about XX/XX/2020, I applied for an auto loan through Capital One, and got pre-approved for {$35000.00}. Found the car I wanted ( Only cost XXXX ). I submitted all the paperwork they requested and they gave me an approval number. I did all the loan paperwork, handed over my deposit and the dealer gave me the car. Almost a month goes by then Capital One says they now need employment verification and my boss needs to call them. They refuse to call my work, they say my work has to call them. My boss attempts to call Cap One 's underwriter. One hour on hold and she hangs up because she actually has work to do. Calls again. And again. Day after day. Still unable to get through. Finally, she gets through, verifies everything and they tell her the loan is good to go. Then they called me and told me everything was now fine and the dealership would receive the funding. A week later they call again and say they need my boss to call and verify my employment. Again. So she calls and can't get through. Days later she finally gets through and once again verifies everything. The underwriter tells her he has everything he needs and the loan is approved. Today they called and said the pre-approval had expired so I would need to reapply or turn over years of tax returns. I'm not buying a XXXX, just a normal, inexpensive used car that is {$8000.00}. And in the month that I've had the car, Cap One did hard pulls on my credit six times. So my credit score now dropped. And I traded in my car so I can't get that back. Now I'm stuck trying to get other funding with a lower credit score from them doing repeated hard pulls, or having to return the vehicle with no alternate vehicle since my original one is now gone. And the dealership may not return my deposit.