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

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to Equifax, XXXX XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, I mailed a certified letter to Experian and I never received the results of the dispute. I received an updated credit report in XX/XX/XXXX from Experian stating that the item XXXX XXXX in the amount of {$13000.00} was verified but it did not include any documentation stating how they verified the information. I called Experian and they stated that they verified the information and they have documentation on file, when I requested the information I was told they have sent it and I explained to them I have not received the information and I was told I would have to dispute it again in order to receive it. I also requested that all address that were being listed were reporting incorrectly and that the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Any other address listed should be removed as it is not my address.
Product: Credit reporting or other personal consumer reports

I have requested investigations and request removal of a loan charge off due to incorrect information. All three credit reporting agencies, XXXX, Experian and XXXX have been notified about this problem several times and nothing has changed, XXXX requesting that the charge off be removed immediately, I have reached out to XXXX XXXX as well and all I get from them is that they have sold the debt to someone else, when I found out who they sold it too I have been unable to get a response from them. This is causing me a lot of trouble and I'm trying to get things straighten out so that I can improve my financial situation but this is a major road block and very concerning that nobody seems to care how it has changed the course of action in my life and I feel like there will be no remedy for me and/or my financial future.
Product: Debt collection

I was checking my credit to make sure everything was ok before I went to the car dealership. I opened my XXXX report via the website and went through all the tabs. When I got to the debt collection tab it listed a debt of {$1500.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX. The collection agency is ARS ACCOUNT RESOLUTION in XXXX FLORIDA. This Is not my debt. I have a fraud alert, and a credit freeze on my credit. I don't know how this ended up on my credit. I did a XXXX search of the creditor name, and it appears to be a doctors office in Pennsylvania or Texas. I have never lived in either state. I am retired from the Military, and I get free medical care from the VA, and use XXXX. I have never had to pay anything that, and it is not mine. I called ARS, the collections agency and they stated they have no record of my name or ssn. How could this happen? This could ruin my credit. Please remove this ASAP!
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo Dealer Services. At times during the loan it was late including towards the end of the loan. I paid the loan in full on XX/XX/2013. On XXXX and XXXX the account is listed under PAY STATUS as " 60 days past due. '' XXXX is listed correctly as " Paid, closed. '' The pay status on XXXX and XXXX make it appear as though this account is currently 60 days past due. My credit score on those two reports is much lower than XXXX and because of it I've been denied credit. I have contacted Wells Fargo Dealer Services on several occasions but they refuse to make any changes.
Product: Debt collection

I have been trying to work this issue out with the original billing office ( XXXX XXXX XXXX XXXX XXXX ) The XXXX refused to put the billing on hold while our insurance company ( XXXX ) was negotiating with them. 
The insurance company has informed me, that I do not owe any money to this doctor. 
An amount was negotiated with XXXX by my health insurance. 
The amount they are still asking for is not owed.

The insurance company has informed me that XXXX XXXX XXXX is asking for an amount that is not valid. 
They say that this is a dishonest practice called " Balance Billing '' where a medical practitioner tries to bill an amount they are not entitled to. 
XXXX of the CMRE collection agency, informed me that XXXX XXXX is not accepting the offered amount of the insurance company. 

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

TransUnion is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Transunion failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Transunion more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Product: Credit card or prepaid card

XXXX XXXX XXXX  managed by Capital One offers 6 months same as cash. I found out recently that within the last 2 months of the 'Same as Cash ' promotion period, payment funds are applied to the Same as Cash balance, which will cause any regular balance to have interest charged. This has happened to my account on 2 separate occasions. I noticed the following notification on my billing statement : How payments are applied to your account : We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to higher APR balances before lower APR balances. If you have a Same As Cash Credit Plan ( s ), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. 

Based on the information above, technically, I need to have a XXXX  regular balance otherwise, any payments will be made to the Same as Cash, which will cause the Regular balance to have interest charged. 

For example : I make a purchase for {$600.00} and select 6-months same as cash. I decide to pay $ XXXX/month until it is paid off. Each month I pay any additional purchases balance, plus {$100.00} dollars. This works without issue until the 4th month of the 6-month Same as Cash, because payments will be applied to the remaining {$200.00} of the Same as Cash balance first. So if I have a Regular balance of {$500.00} and pay {$600.00} ( $ XXXX+ {$100.00} [ monthly same as cash ] ), {$200.00} will be applied to the Same as Cash balance, leaving the Regular balance of {$100.00} in which I am charged the regular APR rate. This in effect means that I don't have 6 months to pay off the remaining balance. 

With both occurrences, I spoke with Capital One and they reversed the interest charges, but many people may not have caught this and were charged interest.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX. XXXX Texas XXXX. I'm reporting that in 2017 Guild Mortgage used false advertisement to deceive people to do business with them by persuasion of a fake {$6500.00} offer by advertisement at XXXX XXXX XXXX XXXX in XXXX Texas XXXX XXXX by rep XXXX XXXX. Then Guild Mortgage used XXXX XXXX a sales rep off XXXX XXXX XXXX XXXX in XXXX XXXX Texas to use deceptive trade practices and lie til the end and didn't deliver the {$6500.00} max of loans over {$300000.00} ( ours were {$400000.00} ). Then XXXX begs the consumers to give Guild Mortgage good reviews after he knew the home owners were glad to get it over with after 8 months claiming delays by XXXX XXXX XXXX permitt delays by XXXX XXXX mistakes. My wife and I was going with XXXX XXXX until XXXX XXXX along with XXXX XXXX kept pushing the {$6500.00} incentive of Guild Mortgage offer by flyers / advertisements in the model home by XXXX XXXX. My wife XXXX and I will testify we asked XXXX XXXX throughout the extended process in his office personally several times. What we was told was the money would be available at closing to ensure that the process was complete! But we were deceived because no one was at the title company at all like we were told! We didn't know the process was done by title personel only! When we complained no return calls. I went through XXXX and XXXX XXXX issues and 2nd XXXX, XXXX XXXX  from XXXX from the first XXXX and was medically unabled for quite some time and XXXX was priority. When we contacted Guild Mortgage with the proof of false advertisement Guild used the reviews that XXXX XXXX use to justify we were satisfied priod! Negliglecting and ignoring the FALSE ADVERTISEMENT GUILD USES TO CREATE BUSINESS FOR THEMSELVES DRIVING BUSINESS AWAY FROM THE COMPETITION!! REAL CRAFTY AND SHOULD BE ILLEGAL DECEPTIVE TRADE PRACTICES BY STATE AND FEDERAL LAW!!! I'M VERY UPSET THAT GUILD MORTGAGE WOULD TAKE ADVANTAGE OF A XXXX VETERAN ESPECIALLY AFTER XXXX XXXX DENIED THE SPECIAL RATE OF 3.25 % RATE THAT WAS INTITLED TO XXXX VERTERANS BY TEXAS XXXX XXXX AT THAT TIME PLUS ADDED POINTS DRIVING THE FINANCE RATE EVEN HIGHER! I STILL HAVE THE FALSE ADVERTISEMENT AND CAN SEND IT TO YOU!
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I corresponded with an individual via XXXX XXXX who said they had a ticket available for XXXX XXXX   XXXX in XXXX XXXX, CA. He said he would transfer the ticket to my email if I sent him 60 % of the face value ticket ( {$60.00} ) through PayPal. I sent the money and he immediately blocked me on XXXX and I have not heard from him in a couple hours.
Product: Checking or savings account

I was contacted by Capital One stating they were " restricting '' my account due to " suspicious activity ''. I was told to call a number and when I did it was just a voicemail which stated to leave a message and they would call back. I've left several messages with no return calls or emails. My paycheck was deposited this week and the bank said they would close my account and send a check within the next two weeks unless I paid {$20.00} to expedite the check ( which I told them to take from the funds of mine that they have ). I'm going on day 3 when I should have received my " expedited '' check and my accounts haven't even been closed. They have been no help whatsoever. I've been hung up on, brushed off and talked down to. They are holding my funds and I'm not even sure why! They team that is doing this won't get on the phone with me.
Product: Mortgage

I am a 100 % XXXX veteran and I am 100 % exempt f XXXX paying real estate taxes but the mortgage company will not adjust monthly payment to reflect that. We have provided all the documentation they have requested. We are working on this for XXXX weeks and no resolution. They were suppose to adjust off {$4200.00} and refuse. There customer service towards Veterans is appalling. I followed Al the rules and requests and this is how they treat us.
Product: Debt collection

Medical bill debt collection that has been paid. Requesting that the Congress Collections Agency remove the collection totaling {$130.00} from my XXXX and XXXX credit reports. I can verify that this account was paid
Product: Credit reporting or other personal consumer reports

This is my 4th letter sent out to the credit bureau and reporting to XXXX on the misuse of Equifax 's reporting system on credit report. There are multiple unauthorized inquiries on my report and an excessive amount of inquiries from Equifax. There are more than 12 excessive entries into my account without my consent from XXXX present. This is a violations to my rights and an unethical practice and liberty taken against my rights. Its proven how hard inquiries impacts the status of an consumers report. They have not remove anything from my disputed, all accounts were updated and sent ack without any correction in these matters. There are also deleted accounts from other bureaus that are still posting on Equifax. There is also inaccurate name information, employment history, and three accounts that are reporting open when they have been sent to me in a re-investigation as closed or in collections. 
This has brought on much stress due to the lack of concern of how this is impacting daily life. This is too mush and it needs to stop.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to formally dispute the inclusion of an account on my credit report, which I believe has been reported inaccurately and without my authorization.

The account in question is as follows : Account Number : XXXX  Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I request that you investigate this matter and either verify or delete the disputed information from my credit file promptly. Specifically : 1. Unauthorized Reporting : Under Section 609 ( a ) [ 15 U.S.C. 1681g ], I am entitled to know the sources of any reported information. I have not provided consent for this account to be included on my credit report, and I suspect that it may have been reported in error or in violation of the FCRAs permissible purpose guidelines under Section 604 ( a ) [ 15 U.S.C. 1681b ].

2. Payment Discrepancies : If this account is deemed valid, I request a thorough review of all payment information associated with it. Any inaccurate or incomplete payment history must be corrected or removed in compliance with Section 611 [ 15 U.S.C. 1681i ], which mandates the correction or deletion of disputed information that can not be verified.

In accordance with the FCRA, I request the following actions : Provide documentation to substantiate the reporting of this account, including a copy of any signed agreements or contracts that authorized its inclusion on my credit report.

Remove the account from my credit file immediately if you are unable to verify its accuracy or legitimacy.

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

In 2017 we purchased a home for my aunt and cousin to live in. My aunt is on XXXX   XXXX  and her daughter is her full-time XXXX. We went with a reputable local mortgage company there in XXXX Oregon that recommended a product that we felt comfortable with ; we did not read the fine print and so did not understand that our mortgage could be sold to a company like Provident. 

Under COVID we lost one of our businesses but our bike business took off. Additionally I work as a XXXX at a XXXX  college in XXXX. We make plenty of money and have not paid any of our monthly debts late. My credit score took a hit due to my debt to income ratio only. We have never paid our mortgage with Provident late and we have never declared bankruptcy. 

When my husband lost his farming business we contacted Provident to refinance the home we have my aunt and cousin living in so as to better manage our overall costs. Provident customer service folks told me that I did not qualify for the refinance because of my debt to income ratio. Provident customer service folks never asked about our situation or other assets we have. They did not care about our spotless payment history or have 2 minutes to discuss options with us. And ye, like everyone else in that industry, they received stimulus money and funding to keep folks housed. They were not concerned with my aunts fragile health or in learning about the other assets we have. Owning a home is a privilege but being housed is a human right. We are ready to deal with this so that others might not have to in the future. 

We have consulted an attorney and are following their suggestions by registering complaints with he Fair Housing Council of Oregon ; the Consumer Financial Protection Bureau with the Federal Government ; and the XXXX XXXX XXXX  in every state except for Alaska, Alabama, Arkansas, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming. 

We also sent a formal written complaint to Provident where they only receive written complaints at to their XXXX XXXX XXXX XXXX XXXX, CA. XXXX. They can take our money and we have a portal for sending payments, but the only way you can submit a complaint is in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a late charge on several occasions with all three credit bureaus. XXXX waived a late charge ( the only late charge ) I've ever had with this credit card. According to CARES Act, Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies. Section 4021 provides that an institution that makes an accommodation with respect to one or more payments on a credit obligation or account that is subject to deferrals or forbearance agreements because of the COVID-19 pandemicand the consumer makes the payments or is not required to make one or more payments pursuant to the accommodationmust report such obligation or account as current or as the status reported prior to the accommodation. That is, accounts that were current before accommodations would remain current during the relief period, irrespective of any accommodations, while delinquent accounts before accommodations would remain delinquent, unless brought current by the consumer.

My account has always been current with the exception of this payment.
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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 necessary proof of investigation. These are the accounts I have marked as inaccurate : 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 These are attached as well.
Product: Credit reporting or other personal consumer reports

the company has removed it several times, and they keep reputting it on my credit every 90 days destroying my credit score. i lose XXXX points everytime they do this Company responded Status Company responded on XX/XX/2024 Response Type Closed with explanation Company 's Response Please allow this correspondence to serve as the formal response for Oliphant USA , LLC ( Oliphant ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. After a thorough review of XXXX XXXX account, we have verified and can confirm that as of today XX/XX/2024 we have submitted a request for tradeline deletion to all the major credit bureaus including XXXX. We would like to ask XXXX XXXX to allow a couple of weeks to re-review her reports to confirm the updates have taken place and if she experiences any additional issues, we encourage her to reach out to our office by any of the following methods : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX : XXXX Email : XXXX. This communication is an attempt to collect a debt. Any information will be used for that purpose. Oliphant USA, LLCpoints everytime, this was found to be fraudulent and they removed and investigated. also XXXX should know better for alowing them to keep doing this. here is a copy of what they sewnt through the CPFB the first few times. they are being illegal and sneaky i also have on my credit to call befor opening any accounts.
Product: Credit card or prepaid card

Back in XXXX / XXXX of 2017, my sibling downloaded a virus without my knowledge and the person who made the virus was stealing all of my information without my knowledge. They used {$3300.00} for XXXX which while I was doing my research since this isnt the only card that it has happened too they use it to get money off of either credit cards or any type of cards without any problems. They had / have all my pictures including me with my ID and other pictures relating to that since I did use it for a job with validation also had my social security number etc. by the time I noticed the charges on my account I disputed through XXXX / XXXX   since I was an authorized user on the card they just removed me off of their without asking my parent. They have still to refund the money that was fraudulently used. My mom has been a card member for almost 10 years and never had a problem and this is what we get in return. 

Thanks, XXXX XXXX
Product: Prepaid card

I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.