23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an XXXX XXXX XXXX XXXX XXXX XXXX and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this XXXX XXXX situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were XXXX  on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.
Product: Credit reporting or other personal consumer reports

the information is totally incorrect & should not be reporting at all & violating my consumer law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters to Equifax, disputing errors and asking to fix my credit since a litle over 4 months ago they erased my credit history, though intentionally hurting my credit report and my ability to get credit, i have file two other complains to CFPB, send already 3 letters directly to them with a copy of the report my driver license, SS card, yet 4 months later my credit is not fix and still reports only two accounts, i am a responsible person that work hard to build my credit and this company refuses to fix their error, only two accounts are reporting, I just open my business and got I got deny credit for not having a credit history letter is attach.. see below what they report only two lines of credit Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} - Revolving Current XXXX  XXXX You have 1 Closed Account Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX
Product: Debt collection

XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account number XXXX in the amount of {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit reporting agencies on X/X/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect onXX/XX/XXXXof this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
Product: Checking or savings account

Capital One was sued for XXXX XXXX recently, and I feel like they have a XXXX XXXX delivering how many XXXX XXXX from XX/XX/year> on wards, to COLLECT interest on all of our failed direct deposits for a day or XXXX, so far no answers and they are working on it? so what XXXX days Wednesday, Thursday ( today ) if they dont fix by tomorrow we can assume another what 35 % of XXXX gets paid on Fridays, including the Wednesday XXXX & Thursday XXXX ( I get paid this day ) so now we are XXXX 60 % of XXXX by the Friday gets paid, XXXX assuming there is a reason to why they are having technical difficulties and are withholding OUR direct deposits to benefit themselves collecting interest! If this isnt fixed by tomorrow then Saturday and Sunday are another extra day for them to collect. And Im sure itll cover their XXXX XXXX dollar lawsuit if in a heartbeat! 

Them withholding many Americans paychecks are from what Ive read against law, XXXX leave that up to you all. But please see if they are being sneaky into the interest collected by them withholding the XXXX XXXX  of millions of Americans or however many they have as clients! Im definitely not staying with them! But PLEASE!! 

This is the conspiracy of the year! Take Capital ONE down for this! Its beyond illegal. 

I think in the 2 days waiting for my deposit Ive gain over XXXX XXXX in late fees. PLEASE! HELP the AMERICANS! Who put their backs on the line! PLEASE!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection : XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Former : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Transunion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Late Date XX/XX/21. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this account.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report that is causing me harm. There are several inquiries on my report that I did authorize and theme credit bureaus should not have allowed these companies access to my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card

Discover auto pay failed as a result my credit score is hurt severely this happened 2x in 5 yrs. This is horrible. 
It was only XXXX dollars each time as well and had more than enough in the bank to pay off debts. 

If your advertised auto payment doesn't work don't blame customers and take responsibility. 

But never the less I paid it off and have since refused to use the card again. 

A quick XXXX search on forums. 

XXXX XXXX XXXXXXXX This is not an isolated incident. Banks have been avoiding responsibility for their bad actions especially since they have been constantly bailed out. Now they are just charging random fees and punishing clients while making excuses and cost cutting causing errors as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down for several jobs due to inaccurate background and credit reporting. These reports were an out of pocket expense for {$29.00}. Dates include XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name XXXX XXXX XXXX ) ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loans {$6200.00} The vehicle in question was total loss. The XXXX auto insurance along with the additional Gap insurance was supposed to cover the entire total loss bill for my vehicle, but this amount is still showing as a debt on my credit report, causing a continuous drop in my credit score.
Product: Money transfer, virtual currency, or money service

My identity was stolen and someone accessed my cash app and withdrew all my money. I am currently going through medical issues that requires that money for treatment, I gave them my police report showing identity theft, I hadnt been able to access my cash app for weeks, they had to gain access for me, the account used to cash out my money is not connected to me at all and no benefit to me.. They also took longer than the 10 days it states in their terms of agreement without providing any info or provisional credits. They can speak to the bank and see its not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX. My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " XXXX '', " Transunion '', " XXXX '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.
Product: Debt collection

Received a letter by Jefferson Capital on XX/XX/XXXX about a debt that I no longer owe this debt is from the original creditor XXXX XXXX XXXX account number XXXX, and this debt is more than XXXX years old and no longer should be collected or attempt to be collected. I disputed with XXXX and they deleted this account from my credit report. On XX/XX/XXXX, report number XXXX i Have uploaded part of the XXXX report about this debt being deleted. I believe by sending this letter this an attempt to restart the debt clock and they know this.
Product: Debt collection

I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted AMSHER COLLECTION SERV regarding this debit and that I don't owe this and had a very default time .. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters. PEASE SEE ATTACH DOCUMENTS
Product: Credit reporting or other personal consumer reports

Ally financial called me over and over day after day me with an auto dialer. It was total harassment to the point I had to tell them to quit calling me. They ignored my request and continued to harrass me. Nearly every call had no agent on the line or they would get half way through a payment and the line would drop. I had no idea if my payment went through or not. I complained to several employees and no one would help me. I paid at 31 days because I have no idea what is due or when. They then sent me a letter stating that I said I have an attorney ( which I didn't because I don't ). 
They are taking advantage of being first party and not having to follow the FDCPA so they call constantly harrassing. They reported me to the credit bureaus for being late. This is on them and there terrible system and call center. I would like this report removed.
Product: Payday loan, title loan, personal loan, or advance loan

Original loan XX/XX/XXXX, refinanced 5/24.current loan XXXX. The loan terms indicate 160.08 % interest rate. 

A personal advisor brought the following to my attention : On XX/XX/XXXX, House Bill 132 went into effect enacting a 36 % annual percentage rate ( APR ) cap on loans up to {$10000.00} made under the New Mexico Bank Installment Loan Act of XXXX and the New Mexico Small Loan Act ( SLA ). 

It appears the lender is charging wellin excess of the legal interest rate for XXXX. If correct I would like the lender to offer appropriate adjustments/ corrections.
Product: Checking or savings account

I called on XXXX XXXX, 2021 informing Chase Bank that there were fraudulent charges on my account. XXXX. There were 7 fraudulent charges totally {$910.00}. Chase bank cancelled my card and said they would reverse the charges. But after a so-called investigation, which they never asked for information from me, they told me that I was responsible for one of these charges for {$100.00}. And told me they would take it out of my checking account on XX/XX/2021. They gave me no information on appealing this decision. My XXXX XXXX credit card had 6 fraudulent charges as well for a total of {$590.00}. All but 2 charges were reversed. And XXXX XXXX said they were not fraudulent ; one charge of XXXX and the second for XXXX. Mind you XXXX XXXX has a 0 liability for fraudulent charges.
Product: Bank account or service

I have a bank account at SunTrust that I opened last year. It has a mandatory minimum of {$500.00}, or a $ XXXX monthly fee occurs, unless a direct deposit occurs to the account. I have been out of work for a number of months and I have had to use money from this account so the balance has gone below {$500.00}. As I have no job, there have been no direct deposits. A fee was charged to me last month and will continue to be till I find a job or replenish the {$500.00}, which I ca n't till I get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/2023. XX/XX/2023 XXXX, XXXX, and Equifax stated I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my credit score XXXX points on each bureau. I contacted the creditor XXXX XXXX, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but XXXX said they can't do anything. XXXX said they will attach the document but that's it. Equifax said they cant do anything. My credit score keeps dropping.
Product: Payday loan, title loan, or personal loan

Hi CFPB! 
I extended my credit to Wells Fargo on XX/XX/2021. I requested a line of credit for my small business The XXXX, XXXX in an effort to help me get through XXXX. I was denied the extension of my credit for which I've learned is a violation of the EQUAL CREDIT OPPORTUNITY ACT. I know that I exercised my right to credit in good faith to the bank but I was made to feel discouraged because, according to the banks agent, my credit score was only XXXX. I now know that the XXXX score has nothing to do with my right to access my credit. I was discriminated against by this bank and I have read how WELLS FARGO has had to pay BILLIONS of dollars in fines for the mistreatment of millions of consumers including me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Capital One regarding their reporting of late payments on my credit report, which I believe may be in violation of the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) credit reporting provisions. 

In XXXX XXXX XXXX, I contacted Capital One seeking financial assistance due to a COVID-19-related hardship. I was informed that I would need to miss a payment before being considered for a hardship plan. As a result, I missed the payment for XXXX XXXX and subsequent payments for XXXX and XXXX were reported as late on my credit report. 

The CARES Act provides specific consumer protections for individuals affected by the COVID-19 pandemic. According to the Act, if an accommodation is made, such as deferred payments or forbearance, creditors are required to report accounts as " current, '' provided the account was not delinquent prior to the accommodation. 

In my case : I proactively contacted Capital One to seek assistance due to financial hardship caused by the pandemic. 

I was instructed to miss a payment to qualify for the hardship program. 

Despite seeking accommodation, the late payments for XXXX XXXX XXXX XXXX were reported on my credit report, potentially violating the CARES Acts credit reporting provisions. 

I contacted Capital One via letter to request the removal of the late payments from my credit report. In their response, Capital One confirmed that they had reviewed my account but stated that the late payment reporting for XXXX XXXX XXXX XXXX was accurate and did not need to be changed. They did not acknowledge the provisions under the CARES Act that might have applied in this situation.