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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXXXXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I initial put in complaint against Equifax on XX/XX/2022, this will be my second time complaining on XX/XX/2022 because the problem has not been resolved. When I call XXXX ( the Voice recording ) ask me to verify my social security, zip code, address number and the voice recorder comes back stating my information that I entered is NOT VERIFIABLE. This is a HUGE problem, I can't buy a house, can't get funding my for business, and can't apply for certain credit cards to due this huge issue. 

And Equifax continue to send me mail in my son 's name which is XXXX XXXX XXXX XXXX When Equifax send me mail they never send it in my name. MY NAME IS XXXX XXXX XXXX. If this issue is not resolved I suppose we have to look for a FCRA lawyer, because clearly no one understand what I am talking about. My patience has ran out. 

I have tried to upload a XXXX min video recording of me calling Equifax.
Product: Debt collection

I received several collection notices from XXXX ( XXXX  XXXX XXXX ) and responded immediately to dispute the alleged debt. I asked for the documentation relating to the alleged debt ( actual bill, signed copy of any document that obligated me to become indebted to the creditor, proof that XXXX owned the debt, and registration and licensing documents showing they are registered with the State of Florida to lawfully collect debts in the State of Florida as required pursuant to Florida Statute 559.715 ). XXXX refuses to send the documents, including the licensing and registration documents showing they are legally operating in the State of Florida ( XXXX is located in Ohio ). XXXX has admitted they don't have the licensing or registration in the State of Florida. 
In each of my responses to XXXX  I continue to ask for the above mentioned documentation yet they refuse to produce them. 
Can you please look into this company 's practices. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

A collections account showed up on my credit report in XXXX. The collections company says the account was originally sent to collections in XXXX, but it was opened in XXXX or XXXX when I was under XXXX XXXX XXXX. The social security number on the account is correct, but the birth date and name that was used on the account are incorrect. This is fraudulent. Also, an account this old shouldn't barely be on my credit report all of a sudden now anyway.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE INFORMATION ON MY REPORT.
Product: Vehicle loan or lease

I HAD A CAR LOAN WITH CAR FINANCE XXXX. THE TOTAL CAR BALANCE WAS {$20000.00} AND THE CAR PAYMENTS WERE AROUND {$420.00}. IN XX/XX/XXXX THERE IS A LATE PAYMENT LISTED FROM THE COMPANY. THIS IS DUE TO SYSTEM ERRORS I WAS TOLD WERE HAPPENING AT THIS TIME AND THAT IT WOULD BE UPDATED. THIS INFORMATION HAS NOT BEEN UPDATED AND IS DRAGGED MY CREDIT SCORE DOWN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with Mariner Finance. I was late a few times. Right before we were due to go to court, the case was dismissed because I had started back making payments on the account. Mariner Finance is refusing to report to the credit bureaus that the account is current and being paid on. Mariner Finance is reporting to the credit bureaus that the account is not being paid on and that the account is in collections. I started back paying on the account a month before they received a court date. I want Mariner Finance to report the correct information to the credit bureaus, which is that the account is not passed due and that payments are being received on time monthly. I have had the XXXX XXXX XXXX  reach out to Mariner Finance and they will not cooperate.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Apparently my ex-husband made a payment on his own account. but Care Credit applied his payment to my account. Care Credit then mailed me a refund check as my account was closed. My account was only used for medical procedures for my boys and the refund check was not unexpected once insurance and other payments had been settled. 

Care Credit is saying they made a mistake and doubled the ~ {$180.00} payment my ex-husband made and mailed me a check for ~ {$370.00}. 

As my account was closed I had no way of checking this online and assumed the emails I was receiving were scams. I did decide to call them and check as I was receiving so many emails. Care Credit then told me they had made this mistake and I owe money. 

It feels very fraudulent and completely incompetent. The phone calls were recorded at Care Credit and the last woman I spoke with hung up on me when I was trying to confirm exactly what Care Credit had done. This is poor customer service on top of complete incompetence.
Product: Credit card or prepaid card

APPLICATION ID :  XXXX  On  XXXX   XXXX , 2017 I applied for a capital one spark business credit card for my company   XXXX   XXXX   XXXX   XXXX  . I am the owner and only member of this company. When I applied I received a message stating they were still reviewing the application.
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On  XX/XX/XXXX , I received an email stating they need more info. They needed Photo ID, Proof of address and SS card. I uploaded those documents using their online portal, as well as faxed. I faxed Drivers License, SS Card, Check stub from one of Employers and EIN from business.
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Only  XX/XX/XXXX h I called Capital One, they confirmed they had everything they needed and it will be 3 weeks for a decision to be made.
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Today  XXXX   XXXX , 2017 I received an email from capital one dated  XX/XX/XXXX  stating I was denied because they were unable to verify information and application was " incomplete '' But per the screenshot below in the attachments, I gave them everything they asked me for from the email they sent.
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I get home today  XXXX   XXXX , 2017 and I also received mail from them. Per attachment its dated  XX/XX/XXXX . 2 Days before letter on email. Mind you, they emailed me the letter today and its dated  XX/XX/XXXX  ( CONFUSING RIGHT ) The letter dated  XX/XX/XXXX  is stating they need proof of business existence for Entity   XXXX   XXXX   XXXX  , and Proof of physical address for your skincare spot.
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I am upset because this whole process is completely unorganized and misleading. When I called to confirm they had everything ( per recorded phone call ) they said they had it all and is processing application. Then I get a denial and a more info is needed same day but dated two different days apart?
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I am LOYAL CUSTOMER. I have a auto loan and   XXXX   personal credit cards. I dont deserve to be treated unfairly. My application deserves to be handled properly and with dignity. I am requesting capital one to review my application.
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Attached to this complaint is a screenshot of all correspondents from Capital One. Along with some of the necessary documents needed to process application fairly.
Product: Payday loan, title loan, personal loan, or advance loan

I can admit that I am have some very detrimental financial problems, but I never said I was not going to pay this creditor. The first time I tried to set up and arrangement, I was rudely disrespected and threatened. So, I just stopped responding. In XXXX my payment of XXXX was taken as I agreed. I have not paid since then because as I said I am having so horrible financial problems and haven't been able to pay. I plan to start paying again in XXXX or pay it off sometime XXXX, I am working on something to get them their money. I was sent another message today XX/XX/2024 stating that they are going to take legal action. Well I asked for an account statement, and a email that I could email them and that I did not want contact through text messages any longer, well after all the messages I receive no one has responded when I asked for it. I need those things even to pull any kind of debt consolidation loan anyway and no one will provide it to me. I don't understand why they cant provide it but it has not been provided and I have asked several times. I have also had them to contact my job, I did not give any permission to be contacted there or did I give them my work phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which cause severe distress upon the discovery that my rights to privacy were violated by American Express on XX/XX/2023 for the amount of {$11000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please Delete this from my credit report immediately.
Product: Credit card

I SUBMITTED MY DISPUTE for Transaction Error Date : XX/XX/XXXX, XXXX THE POLICE WHO THEN REFERRED ME TO THE CALIFORNIA STATE BAR. 
however, the credit card responded with, " We now consider this matter resolved and have completed our investigation. " due to the dispute is beyond 90 days. '' Any amount placed in dispute will still elitist along with the credit agency will be notified. 

It is important to point out that, I am charged {$2000.00} and I never received any good or services. This is " Unjust Enrichment! ".
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson capital has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, Jefferson capital sold it to another collecting agency XXXX XXXX who is now the owner of the account. Well, Jefferson capital is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from Jefferson capital that this debt is verified as mine and they did not respond within 30 days. Its been 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX ( AKA XXXX, XXXX XXXXXXXX XXXX ) all amounts due, on time, since the inception of my contract with them approximately 10 years ago. They consistently make accounting errors, send harassing inaccurate bills, and are unresponsive to concerns. It is starting to appear as though they are using these tactics to intimidate, defraud, and extort their customers. Its been years of correcting their inaccuracies and every time, every contact Im assured my account is in good standing and up to date. Come to find out today theyve reported my account as delinquent. It is not. Not only have I attached proof, I called and verified it is and has been in good standing ( call made today XXXX ) and received a verification email. The representative also sent me experians contact information for in her words when these things happen, and since she couldn't help me from her end. So they can apparently fraudulently report it but not correct it. 

I have attached a pdf containing proof of payment monthly over the past few years. In the pdf there are cashed checks, banking transactions, credit card transactions, emails from company representatives, and screen shots of my online account with XXXX XXXX XXXX. Youll notice theyve changed company names multiple times first they were XXXX, then XXXX XXXX XXXX, then XXXX XXXX XXXX. All the same solar company and all the same address. There may be a company name or 2 Im forgetting. This company is incompetent, they consistently mess up billing, Ive spent countless hours on the phone with them making sure theyve recorded payments Ive sent. I called today and verified that my account is not nor has it ever been delinquent. They made a frivolous and baseless claim against my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. Memebers XXXXXXXX XXXX XXXX is the only one that remains
Product: Debt collection

This is a case of a credit debt having been bought by another company after 7 years had expired. It is illegal to buy a debt from another company and resurrect it. This originated long before 2009, when this company is saying I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXXNOT MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT TXU XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/1966 XXXX
Product: Debt collection

I have asked numerous times when they call to remove my # and NOT call me again. I have no business with this company now or never
Product: Debt collection

A couple of years ago a XXXX XXXX card I had got charged off. Only {$300.00}, no big deal. Until last month, I started getting letters and calls. Okay, thats fine - understandable. What is not understandable is for them to call my Dad and ask him for my whereabouts and informed him about my debt. This has got to be illegal. The company is Radius Global Solutions LLC.
Product: Credit card

On XXXX XXXX XXXX I booked a reservation with XXXX XXXX for a trip to XXXX, XXXX. I used my XXXX credit card ( ending in XXXX ), linked to my PayPal.com account, to make the payment. However, on XX/XX/, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. To resolve this, I opened a dispute with PayPal for a refund. Regrettably, PayPal closed the case in my favor but refunded only a partial amount of {$140.00} XXXXXXXX XXXX  to my XXXXXXXX XXXX. The correct refund should have been {$140.00} USD, not XXXX pesos. Despite my efforts to rectify the issue with PayPal, they have refused to correct it, saying that I need to take this matter to small claims court as they are no longer going to assist me. I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament. 

Original Transaction ID for the purchase of {$140.00} : XXXX Second Transaction ID for the incorrect {$7.00} refund from PayPal : XXXX
Product: Debt collection

LVNV Funding LLC XX/XX/year> {$440.00}, {$560.00}, {$830.00} balance reported to XXXX and XXXX as a collection/chargoff without proof of a contract between us to collect a debt or even issued credit in that amount
Product: Debt collection

Caliber Homes Loans ( XXXX XXXX ) is trying to collect on a debt that has been charge off, while debt was still being paid on auto pay, with out having the complete file they claimed was transfer they have start foreclose without sending, breach, acceleration, nothing. 

My mother had credit insurance on the mortgage that was filed in Official Land records of XXXX County. with no corrective or any paperwork to prove there claim that she did not have it. after finding out that a trust ( XXXX XXXX XXXX XXXX  ) is  not an actual bank, but a trust with no documents. refuse to supply information requested. 

Asking for Validation. as the records in the county do not support what they are claiming as investors.
Product: Mortgage

Overcharge 1.25 % interest rate for adjustable mortgage from the original loan documents. 

Not correctly debit principal from bi-monthly payment, instead putting the extra amount into the OTHER column for 14 days.
Product: Vehicle loan or lease

car loan began XX/XX/2015 for a 72 month loan. I have been paying on loan for 7 years 5 months and they are stating loan isn't paid off. Everytime I call for payoff the amount changes from {$2100.00} to {$1200.00} to {$2700.00}. Changes on a daily basis. I've tried to ask why loan isn't paid off yet and they always give a different reason. I have proof off all payments and dates paid and how much which is usually higher than minimum amount because we have been trying to pay this loan off. I have loan agreement. They are reporting to credit agency I am late every month even though I have proof of payment. I have been paying on a 72 month loan now for 89 months. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

End of lease with XXXX XXXX XXXX in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to XXXX XXXX XXXX instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with XXXX, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid XXXX XXXXXXXX XXXX on XX/XX/XXXX, they still hit me with a two month charge off