23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TD Auto finance has been reporting a vehicle under my credit report that I never purchased. 
When I tried to get some information after several calls, they said the name was correct but the birthday was wrong so they couldn't tell me further, I have never gotten past that point, Have asked to speak to a manger and no luck. This was back in 2019. Then the car apparently got repossessed. And they keep reporting the vehicle under my name as an open account that I'm not aware of nor they release any information to me when I call, because my birthday doesn't match when I call. So they stop there.
Product: Credit reporting or other personal consumer reports

I have written 4 letters certified to remove inquiries and still some exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I called today, XX/XX/XXXX to discuss my account because I was notified by my credit report that an account was closed. I called and the first lady that I spoke to advise me that it was closed due to inactivity and they sent a notification in XX/XX/year> notifying me that the account will be closing. She then advised me that it was closed on XX/XX/XXXX and once the account is closed that they can not reopened it. I asked for a supervisor and the supervisor said she was unable to, see that any email or letter was sent out to me notifying me that my account was closed. I feel like this is unfair and deceptive practices because no one ever notify me that they were closing my account or a warning letter to start using my card again. When I spoke to the supervisor I asked how is the closure Reporting on my credit report as close by guarantor because that could negatively impact my credit score and look like I can not take care of my credit card business if a bank made the decision to close my account. I asked for a copy of the closure letter and the supervisor advised that shes unable to find one that ever sent. I think that this is unfair that they did not notify me. I am requesting that account be reinstated and my credit bureau is updated to show that the account is open. If they can not honor my request than they need to produce a copy of the letter sent in XXXX and proof they notified me
Product: Credit card

i refinanced my mortgage to pay off debt. the company issued me 10 checks to pay the creditors 8 of the debtors posted the checks, some even sent me refunds for over payment. however capital one which i had 2 accounts did not post the payments. claiming they lost the checks, so i had to void the first 2 and send 2 more to replaced what they lost. i resent new checks with tracking which i paid usps for. they recieved those checks stating they have 7 to 10 days to post. in the mean time wanting me to pay payments and late fees, however if they would have posted the first set of checks the would haved owed me.their refusel to post my payments is an attempt to collect payments and fees i should not be responsible for. out of 10 checks mailed the 2 capital one checks are a problem they even reported late payments to the credit breau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}.
Product: Debt collection

The contract related to this account is unverifiable and and according to TILA violations, the debt collectors intent is not relevant. The debt collector needs to be thoroughly reinvestigated for an accuracies and violations of the Consumer Financial Protection Act by engaging in unfair and deceptive practices the debt collector also failed to provide the original truth and lending disclosure statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor failed to mail paper statements for 2 months, XX/XX/2019 and XX/XX/2019 after paperless was declined. In addition, the creditor reports to credit bureaus that I am over 120 days delinquent when I have never missed making a payment which they acknowledge receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account that keep getting verified I contacted XXXX XXXX myself and they told me that the account was removed not made a change off. I have a delete letter from them in which I have attached the letter below with FTC report and police report. 

This account is showing on my experian & XXXX credit report. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2021 {$100.00}
Product: Debt collection

I have contacted XXXX XXXX regarding account XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft.
Product: Mortgage

My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX  they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX not reporting information correctly.
Product: Credit card or prepaid card

I can do this all day Citibank .... 
I'm responding now to their complete and total lies regarding their " investigation '' this is their response. 

Company 's Response Sending letter to reinforce the decline of credit for the {$12000.00} XXXX XXXX charge. Explained a {$16000.00} payment was received on XX/XX/XXXX and on XX/XX/XXXX was advised that a hold was placed on the available credit limit until XX/XX/XXXX, after the payment cleared. Explained on XX/XX/XXXX, when a {$7000.00} XXXX XXXX charge was attempted, passed our Fraud verification process and confirmed the charge was legitimate. Explained on XX/XX/XXXX, a {$12000.00} charge was declined at XXXX XXXX CT, which is XXXX XXXX PT and during a conversation with Citi at the XXXX XXXX Fraud verification process was passed and the charges were verified as legitimate. Reinforced due to the inconsistent information provided regarding the time frame in which claim of wallet and phone missing and because previously dealt with the merchant, the balance is considered to be valid. Regretted response to attorney was delayed and explained it was just received in office. Confirmed name and address were removed from solicitation lists but to allow 30 days for that to take effect. Sending letter to the attorney to reinforce the decline of credit for the charge. 

MY REPONSE Good job you explained I pay my bills ... I hope you enjoy the {$16000.00} I responsibly paid you guys. I never called you guys about a XXXX dollar transaction. Seems like a made up lie. But if you say I did can you tell me if the person who called knew my social and my password??? On XX/XX/XXXX I never called you guys about spending XXXX on XXXX  products. Can you show me the transcript of the person who called at that time? did they pass my security word and know my social? XXXX XXXX of Citibank said that the person who called did not know my social security and they also didn't know my password. You fools cant even keep your story straight. I never have done business with the XXXX XXXX in my life .... but suppose I did ... what does me doing business with a company have to do with fraud happening at that company? If I shop at XXXX all the time and somebody steals my credit card and uses it at XXXX does that mean I'm responsible? very foolish argument. I will write letters to you all day long every single chance. Good luck selling my debt to collections they wont want it based on the evidence I have, and the fact that I was at work 2 hours away from the location my card was used at. Best give me my money back. I also got another letter in the mail for taking a loan to pay of my Citibank credit card debt along with harassing phone calls ... Each phone call is documented and will not look good for you in court. If I don't like your response Ill send ANOTHER response. Eventually you guys will get looked into for your fraud.
Product: Debt collection

On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. 

On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. 

Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. 

I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.
Product: Money transfer, virtual currency, or money service

I was working with Castle Rock Mortgage company to buy a home we built. We were pre approved with them in XX/XX/XXXX of XXXX. I paid for an appraisal on the house on XX/XX/XXXX. Was told that the appraiser was paid. I ended up having to switch to XXXX XXXX instead. I am trying to close on our house and am having to pay this appraiser again because castle rock has not paid him in over 3 months. I was told that a check was sent in the mail on XXXX XX/XX/XXXX however, when I reached out I was told they would leave a message with XXXX XXXX she handles the checks sent to the appraisers. I contacted her last week and sent an email still have received no information. XXXX XXXX has also been contacting her and they have not been answering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have violated my rights. 

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

I recently challenged the validity of XXXX XXXX, XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX  and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to delete account from my credit report immediately
Product: Debt collection

I received a physical letter claiming to be from a company named Professional Account Management ( PAM ). This letter claims that a total of {$1400.00} is owed to PAM as they are responsible for collecting money from unpaid tolls on XXXX XXXX XXXX XXXXXXXX. However, after checking the Illinois tolls online, I only found {$25.00} of unpaid tolls. Additionally, the physical letter doesn't list an itemized list of the charges or my license plate anywhere. I strongly believe this is a scam, and I am hoping that by sharing this information, the person sending letters like this is held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the below parties to release my medical information to a third party. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is a third party collection company that collects for XXXX XXXX. I have sent them a cease and desist letter and they ( XXXX XXXX XXXX XXXX XXXX ) have agreed to cease all forms of communication with me which includes ceasing from reporting this alleged debt to my consumer credit report. Even though its XXXX XXXX XXXX XXXX XXXX but on my consumer credit report it shows as a XXXX collection with account # XXXX but its really XXXX XXXX XXXX XXXX XXXX . I have attached both my cease and desist letter as well as XXXX XXXX XXXX XXXX XXXX XXXX response stating that they will agree to cease all reporting to my consumer credit report. I would like for Equifax to IMMEDIATELY REMOVE/DELETE this account from my consumer credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX- XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.Transunion and XXXX would not allow me to process a dispute for these hard inquiries.
Product: Debt collection

I was going through eviction in my old apt ... .went to court and the judge and the apt building lawyer said I owe a total of {$1100.00}, Court order. But XXXX office mgr sent pro collect {$3400.00}. As for as I know a office mgr is not higher than a judge and his court order.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an overpayment. On XX/XX/XXXX I requested a refund and was told the refund check would be received by XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. I was then told to call back on XX/XX/XXXX, then I was told to wait 10-15 business days from XX/XX/XXXX before calling back. It has been 28 business days and no overpayment check has been received. I was also told the check went out on XX/XX/XXXX, but was later told it was actually sent on XX/XX/XXXX, but there is no tracking number that can confirm this.
Product: Credit reporting or other personal consumer reports

recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Mortgage

Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The " Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately, the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added, home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years.