23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I recently filed a complaint against Tidewater Motor Credit /Tidewater Finance Company and in their response they stated that they would be updating our credit reports to reflect charged off beginning XX/XX/2014 and reporting as charged off going forward. However, they are still reporting as repossession and changing the balance every month and I 'm having to go to each credit bureau to have this fixed every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a premium membership with Experian 5 years ago to build up my XXXX XXXX. I did this because, even though I had no debt & paid all my bills on time with my checking account, I had a low XXXX score due to handling my finances on a cash basis. This being a barrier to applying for either a mortgage or a car. Experians XXXX program seemed a perfect answer. It was until 2 yrs ago. 

The XXXX program consists of monitoring your bank accounts & uses monthly expenses to help boost your XXXX score. Experian also provides your XXXX score on XXXX XXXX XXXX. These entities do not have access to your banking info. 

I had built my score up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & credit cards were stolen & my roommate moved out. My monthly expenses went up & my XXXX XXXX went down on Experian, but not on the other 2 credit reporting companies. 

After the theft of my cards, I noticed the connection between my bank & Experian seemed to be broken. I corrected this but my XXXX XXXX kept dropping. Bills that had been on autopay since the XXXX werent boosting my score. I called Experian many times & asked why, if my bills were paid on time, was my score dropping on their report but not on the other 2 reporting agencies? ( Experian : XXXX, XXXX : XXXX, XXXX : XXXX ). They said it was because XXXX needed the 3 months history of payment to show in the score. I argued that I have never missed a payment on any of my bills as shown by my credit reports with the other credit reporting companies on their own site. They restored my score to the excellent range. But the next month, it dropped again. 

I called them multiple times asking why my score isnt based on my payment history & balances, but rather on my bank balances? After being hung up on, I cancelled my membership ( {$24.00} for 5 yrs, even though the premium rate went down to {$19.00} ) in XX/XX/XXXX. As soon as my cancelation took effect, my score dropped XXXX points and they are still monitoring my bank account. I have tried to disconnect it ; remove my banking info from their app and you cant do it! 

As of today, I am still being punished. Given that XXXX XXXX uses Experian to provide an immediate XXXX XXXX to their customers, my score is XXXX, on XXXX its XXXX & XXXX its XXXX. I just want them out of my bank accounts & to base my XXXX score on the same data the other 2 credit reporting companies.
Product: Credit card

My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was XXXX and now I am about to pay it in full with XXXX large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!
Product: Mortgage

The issue is whether Wells Fargo Mortgage has knowingly violated Regulation X with regard to requiring monthly payments to a property tax escrow account, when the relevant property tax has been paid in full for the ensuing twelve-month period.

Relevant law A lender may not require the borrower to deposit in any escrow accountfor the purpose of assuring payment of taxesin excess of a sum that will be sufficient to pay such taxesduring the ensuing twelve-month period ..., 12 USC 2609 ( a ) ( 1 ).

any person that knowingly violates a Federal consumer financial law, a civil penalty may not exceed {>= $1,000,000} per day during which such violation continues. 12 USC 5565 ( c ) ( 2 ( C ).

Facts The facts are established by clear and convincing evidence and can not be reasonably disputed : 1. On XX/XX/XXXX, the borrower requested removal of the property tax escrow, because the property tax for the subject property was paid a year in advance, with no amount due until XX/XX/XXXX.

2. On XX/XX/XXXX, Wells Fargo Home Mortgage received {$2100.00} as payment in full for all amounts due for the property tax escrow account.

3. On XX/XX/XXXX, by letter Wells Fargo Home Mortgage stated We want to fully address your concerns.We now expect to complete our work by XX/XX/XXXX 4. On XX/XX/XXXX, Wells Fargo still requires {$4400.00} with tax escrow instead of {$2900.00}.

Conclusion The facts show that Wells Fargo intentionally and knowingly failed to remove the tax escrow payment due on XX/XX/XXXX, in clear violation of relevant law which prevents requiring the borrower to pay a excess if the property tax due the next 12 months, 12 USC 2609 ( a ) ( 1 ). The applicable civil penalty is {>= $1,000,000} per day of delay, based on the XX/XX/XXXX increase. If Wells Fargo fails to promptly cancel any future property tax escrow payments for our mortgage loan, Consumer Financial Protection Bureau is authorized to impose the maximum civil penalty.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report i noticed that there was a tradeline for XXXX XXXX in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX Huntington Bank authorized two debit card withdrawals totaling XXXX from a combination of savings and checking account to XXXX XXXX. At XXXX we called the 1-800 customer service phone number at Huntington and informed them these were unauthorized transactions. We filed dispute # XXXX with Huntington and when speaking with XXXX at Huntington she said that " nothing could be done until the transaction posted on Monday XXXX night. '' She stated transactions could not be stopped. On Monday XXXX meeting with XXXX XXXX, Branch Manager at Huntington Bank in XXXX XXXX XXXX at XXXX he also stated that nothing could be done until Tuesday after these transactions posted. On Tuesday XX/XX/XXXX at approximately XXXX an additional XXXX  was transferred by Huntington Bank to cover overdraft fees. Huntington is stating misleading information to us indicating a lead time of XXXX days and it may not be returned at all. We have filed a report with the XXXX XXXX XXXX, MN police - case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to dispute the accuracy of a Nissan car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for XXXX  is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct # XXXX .... 
2 ) XXXX XXXX XXXX  Partial Acct # XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXXO BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Product: Credit reporting or other personal consumer reports

Equifax has not responded to my many letters requesting removal on inquiriesthat are incorrect and unauthorized. These inquiries are not on the other 2 creditbureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It isunfair to be ignored and the severity of not taking my situation seriously has causedfinancial injury and defamation of character.
Product: Debt collection

I received a collection notice. I disputed the validity within the first 30 days. In my letter i asked for specific verification ( attached letter ). What I got was two statements showing absolutely nothing. I have consulted with a lawyer. He said this absolutely would not hold up in court. I am asking once again 1 ) Original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the colletion agency and the original creditor. 3 ) Proof that you are licesnsed to collect debts in the state of Colorado. 4 ) A line by line accounting of the Original account ( transation history, a full breakdown, not just pages of an accoun in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.If this can not be provided, please cease desist from contacting me. I have attached the letter i sent and the response from portfolio recovery assosciates.
Product: Mortgage

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments XXXX XXXX XXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my XXXX XXXX  XXXX, filed in XXXX XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX XXXX I advised the lender/servicer that I am aware that XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE?
Product: Credit card or prepaid card

Direct Express failed to issue my son 's SSI payment to me for the month of XX/XX/XXXX. Instead, they admittedly allowed someone to call in on XX/XX/XXXX and change my son 's DOB and our address, issued a new card to an entirely different state and the card was activated and used down to {$5.00}. I still have MY card safe in my wallet. Social Security has advised they should ONLY issue to the address SS has on file. This definitely sounds like an inside job similar to the incidents they just experienced this time last year. They have initiated an indefinite investigation and in the meantime this single mother of XXXX is left to figure out my already struggling finances including rent, car insurance and back to school clothing for XXXX.
Product: Debt collection

Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

So I have had a paypal account for a long time. For some reason last XXXX they said they were limiting my account permanently and that I would no longer be allowed to use paypal. They said they were limiting my account because I filed repeated unwarranted disputes but I only ever filed one dispute. So I appealed any they never got back to me like they said they would. Well I promptly forgot about it until today when I wanted to make an on-line purchase and the vendor only takes paypal. So I was not able to make the purchase. I called paypal and asked again, and they said they refused my appeal and my account will remain permanently limited. I am basically locked out of doing business with any company that uses paypal for it's payment processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Product: Debt collection

A collection for {$2600.00} appeared on my credit report from JJ MARSHALL ( Original Creditor : XXXX XXXX ) when I filed for a mortgage on XXXX and I do not owe this company because as of a divorce decree I was forced to move out XX/XX/XXXX, I went to the XXXX 's office and turned in paperwork stating that I was moving out and XXXX accepted it, I paid a small amount that day. I found out through a credit report pull they had put an eviction on my rental credit report and they claimed I owe {$2600.00} debt from a XX/XX/XXXX eviction. I have never been evicted and I do not owe a debt. I did not have a lease with them after XX/XX/XXXX after the divorce. I called JJ Marshall to find out what I need to do because of the identity theft, an ex spouse was renewing the lease with out my knowledge, yet XXXX knew I was removed from the lease. I was told by the collection company employee on XXXX she would need a police report to help me. I filed a police report XXXX with XXXX XXXX Sheriff 's Office police report # XXXX in order for this collector to review the case that this is not my debt and she even marked my file as " No Contact '', I did not tell her to do this, but then told me to call back the next day to speak to a manager. She was rude to me on the call. Then when I called today XXXX a man told me the manager was off and she was wrong. Also that I had to email him and he would contact me back right away if I wanted to talk to him, again he was rude and short with me, all I have been trying to do is talk about what I need to do to get this resolved and removed. I sent him the email to the email they gave me XXXX. I just want this resolved I don't need someone being rude to me, and then telling me " respect is a two way street '' and then talking over me. I sent the recorded call to my loan officer and she told me to file a complaint. It is not my account and they are hurting my credit, but they are also ignoring my dispute or lying to me. I requested a deletion letter in the email so they would notify the credit bureaus or I can. I am not about to pay a debt when I did not live there and I was never evicted. I was also never notified about this collection or this would have been handled right away.
Product: Debt collection

FINANCIAL RECOVERIES ( XXXX XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year> {$2000.00} was sent to the wrong contact. Tried contacting Zelle and chase but was told once you sent the money there is no way to undo the transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file immediately. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$270.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$590.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$160.00} XXXX. XXXX XXXXXXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3800.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1400.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$170.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3000.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name : XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.