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

THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS XXXX OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT XXXX HANDLE BY CAPITOL ONES SOLUTOIN TEAM THIS IS BECOME A PROBLEM WICH CFPD SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX J ND ND F ND CO M CO ND A CO ND XXXX XXXX CO ND ND XXXX ND ND J ND CO XXXX A ND CO XXXX XXXX CO ND XXXX XXXX CO CO XXXX CO CO XXXX CO ND Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked and frustrated to discover an unauthorized inquiry on my credit report. I double-checked by refreshing my browser, but the issue remained. I demand an immediate and careful review of the documents I provided to resolve this issue once and for all.
Product: Debt collection

By email, on XX/XX/year> I sent XXXX XXXX a very detailed debt validation and cease and desist order. 

Today, they violated the cease and desist order by emailing me another collection email. 

As of today, they have not provided any information to me to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXXXXXX time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Product: Credit card or prepaid card

I have called the customer service of Elan Financial many times and they Represented/Told me what amount to pay in FULL so that I do not pay any interest. I HAVE {$0.00} PAST DUE. I EXACTLY PAID WHAT CUSTOMER SERVICE REPRESENTED TO ME AS TO WHAT I NEEDED TO PAY " IN FULL '' BEFORE THE DUE DATE " SO THAT I DO NOT PAY INTEREST ''. YET ELAN FINANCIAL CHARGED ME {$81.00} INTEREST IN MY XXXX STATEMENT, WITHOUT ANY REASON AND AGAINST THEIR CUSTOMER SERVICE 'S REPRESENTATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XX/XX/21, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In accordance with Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX  : XXXX / XXXX Subject : Notice of Dispute and Pre-Arbitration Demand** Account Number : XXXX XX/XX/2024 To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged debt you claim I owe, associated with Account Number XXXX, which you reportedly purchased from XXXX XXXX XXXX XXXX  XXXX Additionally, this is a Pre-Arbitration Demand in accordance with the arbitration agreement contained within XXXX XXXX XXXXXXXX XXXX original account agreement. 
It is my understanding that as the purchaser of this alleged debt, Midland Credit Management XXXX Inc. ( MCM ) is now subject to all terms and conditions of the arbitration agreement. I am fully aware that initiating arbitration would impose substantial costs on your company, with initial fees for such proceedings typically exceeding {$3000.00}. I also understand that MCM likely purchased this alleged debt for pennies on the dollar. 
The reporting and collection actions you have taken have caused me significant XXXX, emotional distress, and financial hardship. Rather than immediately proceeding with arbitration, I am granting MCM one opportunity to resolve this matter amicably. To do so, you must : Pay me {$5000.00} to compensate for the harm you have caused me. 
Permanently delete the tradeline associated with this alleged debt from any and all consumer reporting agencies to which you have reported it. 
You have 15 days from the date of this letter to respond and confirm your agreement to these terms. If you fail to meet these demands within this timeframe, I will have no choice but to proceed with arbitration, where I will seek all available damages and legal remedies. 
This letter is not an admission of liability for any alleged debt. It is also not a waiver of any rights I may have under federal or state law. I reserve all rights to pursue further legal action if this matter is not resolved to my satisfaction. 
I urge you to consider the financial and reputational cost of arbitration and litigation, as well as the likelihood of a favorable resolution if you meet my demands now. 
Please direct all correspondence regarding this matter to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.
Product: Mortgage

Satisfaction of Lien/Closing Documentation Error This is a request for assistance with our prior mortgage servicer ( Ditech LLC ) about documentation error done at closing. We inquired about corrective action not taken on our Satisfaction of Lien/Closing Documentation by Ditech to date. Weve contacted Ditech, XXXX XXXX XXXX XXXX, XXXX AZ, XXXX, XXXX, Customer Service on two separate occasions. Here are the dates, times and individuals spoken with about this issue : > XX/XX/2018 - XXXX : spoke with XXXX  about Satisfaction of Lien has not been corrected with XXXX 's name ( recorded as XXXX ) > XX/XX/2018 - XXXX : spoke with XXXX  about pay off date ( XX/XX/2018 ) informed her spoke with XXXX  ( XX/XX/2018 ) about Satisfaction of Loan error. She stated task still has not been performed as of this date. 

The attached paperwork clearly states the correct name of " XXXX XXXX XXXX except for the Deed of Release and Full Reconveyance showing her name as XXXX XXXX XXXX recorded with XXXX County Recorder incorrectly. 

We request extremely urgent corrective action be taken and not wait 30 days from the date of this message ( as deemed by CFPB guideline ). We have surpass the 30 days guideline which expired XX/XX/2018 when initially contacted and again XX/XX/2018 as well as have been very patient. We are considered if not already or the very near future XXXX 's credit maybe affected in a negative matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX
Product: Debt collection

I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hard Inquiry Wrote a letter to the company asking them to remove the hard inquiry. I dont know what company it is, nor did I give permission for them run my credit or monitor it until XXXX. I asked them to give it show me proof in writing that I inquired or asked them to pull my credit.
Product: Debt collection

UHG I LLC, d/b/a United Holding Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Phone XXXX XXXX UHG I LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with UHG I LLC d/b/a United Holding Group. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXXXXXX XXXX  Removal dateXXXX XXXX XXXX XXXX XXXX XXXX Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business typeXXXX XXXX XXXX Contact info- Address  XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business typeXXXX XXXXXXXX XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX MNXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business typeXXXX XXXX  Used Contact info-Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX. 
XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX  Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX XXXX Contact info-Address XXXXXXXX XXXX XXXX XXXX, DEXXXXXXXX Phone number- XXXX XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal dateXXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXX XXXX XXXX, NYXXXXXXXX Phone number- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX Sofi XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts
Product: Consumer Loan

Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing this.
Product: Credit card

On or about XXXX of XXXX, after having near perfect credit, I noticed several frivolous and fraudulent charges and called into Chase Customer service to dispute charges. 

I was later informed by a supervisor that the rep was new to his position and had CLOSED my account instead of disputing the charges in question. 

I asked for them to re-open my account and dispute correctly, but was told they would have to do a " review '' and in that process ALL of my chase accounts were closed and sent to collections. 

The charges in question are not mine and I adamantly attempted to dispute them directly with Chase with little to no prevail per the " The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq '' these charges should be dismissed and properly disputed. 

Now JPMorgan Chase is now suing me in court - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The buyers of our house were pre-approved by Wells Fargo ( XXXX XXXX XXXX XXXX XXXX, AK XXXX, Branch Manager XXXX XXXX XXXX phone ( XXXX ) XXXX ) and we entered contract with the buyers and their lender ( Wells Fargo ) to close the sale XX/XX/XXXX. When the sale did not close the XXXX ( violating the terms of the contract ) the lender blamed their client ( the buyers ) for not getting them information in a timely manner. We were informed by our real estate agent that Wells Fargo had all pertinent paperwork to close the sale on Monday, XX/XX/XXXX and that it went into final underwriting Friday, XXXX but it is still not closed, effecting our ability to pay for the loan on our new house. We have made multiple attempts through our agent to contact the lender. We were told various conflicting information about why they are in violation of the contract, including that the buyers sold their business mid-XXXX leading to them getting a new loan approval. Now, as the lenders it was their responsibility to inform their clients that they should not buy or sell anything large or do anything to affect their credit rating, but Wells Fargo was negligent, did not inform their client and then blamed said client to the process starting over. The buyers are also an immigrant couple with limited knowledge of the English language. I do not believe a translator was provided to them or an adequate attempts made to explain their rights and responsibilities in regards to their loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error in the debt collection that you have reported to the credit bureaus, as allowed under 15 U.S.C. 1681. 

I have reviewed my debt and payment history and it is apparent that the information you have reported is inaccurate. I request that you investigate this matter immediately and provide me with documentation that proves the validity of this information. 

Please understand that this error has caused me significant harm, negatively impacting my credit score and ability to obtain credit. I am hereby requesting that you take prompt corrective action to remove this inaccurate information from my credit report. 

Under the Fair Debt Collection Practices Act, you are required to conduct a reasonable investigation into the matter within 30 days of receipt of this dispute letter. I request that you provide me with a written report of your findings on this matter and any action taken to correct the inaccuracy in my credit report, as allowed under 15 U.S.C. 1681. 


After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. A validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate corrective action regarding the handling of my credit report following the XXXX  XXXX data breach. As you are aware, this breach exposed sensitive personal information, including Social Security numbers, birthdates, and addresses, making me vulnerable to fraudulent activity. 
In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit report. This includes accounts, inquiries, or any other data related to the breach. The FCRA explicitly mandates that this information be blocked promptly, and I expect your compliance with this requirement without delay. 
The breach has directly exposed my personal information to unauthorized individuals, significantly increasing the risk of identity theft. Under the law, you are obligated to ensure that any information resulting from this breach is thoroughly reviewed and permanently removed from my credit report. I request that you take all necessary steps to investigate and address this matter immediately. 
I require written confirmation that all fraudulent entries have been identified, blocked, and removed, as well as a detailed explanation of the actions taken to resolve this issue. Please understand that timely action on your part is critical to protecting my financial well-being. 
Failure to promptly address this matter may leave me with no option but to escalate my concerns to the Federal Trade Commission ( FTC ) and explore additional legal remedies under the FCRA. I trust that you will treat this matter with the urgency and seriousness it demands and look forward to your prompt resolution.
Product: Mortgage

I have made every effort to contact and work with Statebridge Company , LLC to no avail. I fully complied with their demands to reinstate my loan, loan no. XXXX, by sending certified funds for the full amount due, {$6100.00}, in the form of a Cashier 's check. 
Unfortunately, Statebridge is non-responsive ; please refer to uploaded documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my XXXX XXXX, XXXX, and Experian credit report are unauthorized and not my hard inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX DC, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

R A Rogers Collection Consultants Put a negative information on my credit without contacting or verifying or giving me the benefit to dispute. 
I'm not even sure if they are legally supposed to report me to the credit bureau. 
I reached out to them to tell them that the information was wrong they did not want to hear me an told me to file a police report that's the only way they will do anything.