23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Car purchased XX/XX/XXXX. The car was stolen XX/XX/XXXX and was reported to XXXX XXXX XXXX Police Department and my insurance company. 
The vehicle was paid in full by my insurance carrier on or about XX/XX/XXXX. 
Santander is reporting the vehicle as a charged off account with a balance of {$11000.00} as XX/XX/XXXX. 
This account has been paid and close.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I have 2 secured credit cards from Capital One in which one has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. However upon reading the terms of the card, capital one offers the cards to be upgraded to a non secured card and your security deposit returned back to you ( please see attached ). I have had the one account longer than 10 months. I pay on-time, never had missed a payment, and always pay the balance in full monthly. I contacted customer care onXX/XX/XXXXand was advised my accounts are not eligible to unsecured. The rep said capital one does not offer any type of secured card to graduate. Every interaction i have with customer service is always misleading, or misinformation given. I dont think the reps are properly trained to be made aware of products and services capital one offers. For having 2 accounts and being a customer almost 2 years with excellent pay history, i am actually appalled by their disposition in the manner of the service that i receive. In the attachment, I have highlighted the key factor of my complaint in yellow.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.

2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.

3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.

5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
Product: Mortgage

I applies for forbearance due to Covid-19 and was advised of the allowed 18mo timeframe and I would need to call every 90 days to reapply if needed, which I did. Now I have started to call the loss mitigation dept to get prepared and get next steps to begin my payments when my forbearance ends for the past 2-3 months however when I call every agent is rude, degrading, I have been talked down to, lied to and tricked into making a payment during my approved forbearance time by being told I was not approved for forbearance, I have been threatened my home will be in foreclosure in 4 days and reported on my credit if I dont pay the lump sum. When I explain I requested forbearance due to Covid-19 I am being forced to prove and/or write a hardship letter on how exactly did Covid-19 effect me. I have been hung up on 3 seperate times. I was sent a giant packet of documents with a direct contact person and number, after calling and leaving 4 messages over 4 day period I received a call back only for the agent to tell me he isn't my contact he simply staples the packets together and has promised me a call back from a different dept who could not take my call because the entire dept was not in.
Product: Credit reporting or other personal consumer reports

I have disputed this issue several times and have gotten responses from XXXX, Equifax and XXXX in regards this late payment on my credit report. They are still reporting late payment which has cause me damages to my credit report. 
XXXX XXXXXXXX XXXX  partial acct. # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the Fair Credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : 2. Exclusion - except as provided in paragraph ( 3 ), the term " consumer report '' include : ( A ) Subject to section 1681s-3 of this title, any ..... 
( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Vehicle loan or lease

On XX/XX/2024 at XXXX XXXX some XXXX accent woman from Westlake Finance called and stated that my balance is one day late. It's outside of normal hours and is considered harassment in the state of XXXX  to call in weekends and before XXXX XXXX. I have spoken to a representative a day prior and explained I will make a payment on XXXX as that is my payment date. I want the company to stop harassing calls this early on on my lease of the vehicle loan from Westlake. I have also filed a complaint with Missouri Attorney Generals office because of the time of day they called. I should not be a subject to harassment of this company and this is a brand new loan and I'm getting harassed by them this early on in the loan establishment frame. Further harassment by them will result in legal action taken again Westlake.
Product: Mortgage

I had my townhouse financed through XXXX XXXX for about 9 years. XX/XX/2019 I was notified that my loan was sold to Flagstar Bank. My loan is PITI with  payments of {$430.00} per month. On XX/XX/2019 I sent my first payment to Flagstar, XX/XX/2019 sent my second payment, XX/XX/2019 sent my third payment. On XX/XX/2019 I was notified by Flagstar that I was behind on my loan and was told that I needed to pay $   XXXX XX/XX/XXXX. I have never missed a payment! I called Flagstar ( I was on the phone with them fo 4 hours ) to se what the problem was. I was told that when Flagstar bought my loan that they also bought insurance for me at a price of {$1900.00}, and that my new payment is {$820.00} per month! I informed Flagstar that I already have insurance on my townhome with XXXX. I have been insured with XXXX  the whole time that I have owned my home. I was then transferred to Flagstar 's insurance division ( had a three way call ). Told them that I already had insurance and had XXXX Fax my policy over to them ( it is good thru XX/XX/2019 ). The person that I had talked to in the insurance division with Flagstar said I see on you paperwork that you do have insurance, and it looks like you should get a refund. Then I was told that I needed to make a payment of {$820.00} to get my loan up to date! I have never missed a payment!!! I never gave Flagstar permission to purchase insurance for me. I already had insurance. Flagstar is now charging me late fees and are about to hurt my credit. I am afraid if this doesn't get straightened out soon I may lose my home. I am on XXXX and can not afford all of this.
Product: Credit card or prepaid card

Someone calls in my credit card and reports a fraudulent claim it gets cleared up then my credit card gets cancelled and I have to wait a week to get another one. Each time a XXXX speaking person with an accent handles the complaint. I have requested XXXX  speaking Americans which are not assigned to assist me. 
I have reason to believe that the perpetrator is XXXX XXXX XXXX XXXX married name now divorced )
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX Balance : {$390.00}
Product: Money transfer, virtual currency, or money service

I recently filed a dispute against PayPal due to one of the unauthorized charges to my XXXX XXXX   checking account for the total amount of {$1600.00}. Fortunately, my bank reversed this unauthorized charge. 
What happened was PayPal changed their policy and started to charge certain percentage of fees for all CANCELLED XXXX transactions as what happened to me. 
I sold a merchandise on XXXX on XX/XX/XXXX and received a payment of {$1600.00} including {$50.00} shipping charges. This money went into my PayPal account directly as it has been linked to my XXXX account for years. Next day before I ship out the item, buyer contacted me, requested me to cancel this transaction and issue a full refund, which I did with no other choice. 
I thought this transaction/fund/fees shouldve been reversed through my PayPal account as I did not withdraw any fund from it. 

Few days later, I was shocked to find out my XXXX XXXX checking account had been withdrew for the entire amount of {$1600.00} by PayPal due to their nonrefundable fees. I was glad my account had enough balance at the time ; otherwise, I would be paying overdraft fees as this is totally unexpected. I personally believe this is not a legalized practiced for any online business because they did not inform me when they changed their policy nor deducted money directly from my bank account without my authorization. I believe any % online transaction fees should've been fully reversed when it is CANCELLED within reasonable time. 
Im not sure when Paypal changed their policy because it was not how they used to practice. 

Now, they claimed my Paypal account has a negative {$48.00} ( incurred solely by the cancelled transaction fees ). They also limited all my online activities ; I can not even close this account without make the payment. Frankly, I do not believe I owe Paypal any money. 

Paypal is NOT operating fairly with their consumers.
Product: Mortgage

I purchased this property in XX/XX/XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with Chase to refinance this loan .I purchased a house in XX/XX/XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered Chase always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .Chase has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXX.please help if I could just get it lowered a few points what make Chase think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been been disputing accounts through Experian and they have not yet updated your report or provided investigation information nor proof the account belongs to you
Product: Debt collection

This Cavalry collections company forced my XXXX   roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I use Boeing Employee Credit Union ( BECU ) in Washington State. They offer the use of the XXXX service. On XX/XX/XXXX, I received a payment via XXXX from someone who was purchasing a used

camera from me. The payment was successful, and after the transaction and giving the individual the camera, they reported positive experiences a few days later. However, approximately two weeks later, on XX/XX/XXXX, I got an alert from BECU that my XXXX account was on hold. After contacting BECU, they noted that they had received a fraud report from the buyer of the camera ( the payer ) through their bank and have locked my XXXX account. I use XXXX multiple times per month for transactions such as rent, but now I can not use it to either send or receive funds. BECU recommended contacting the party who reported me, but I can not get in touch with them after multiple attempts and there appears to be no way to restore access to my XXXX account. BECU is unable to help at all and says I need to use another payment method. 

I have attached the receipt of the payment that was later reported.
Product: Debt collection

My insurance was billed by XXXX XXXX directly and was paid for services done in the facility. I received a surprise bill from XXXX XXXX XXXX, XXXX for the same lab services I paid to the hospital. I sent many letters to contact the hospital as all bills were paid directly to the hospital where services were provided. They ignored my letters, and I received a collection notice from Northwest Collectors Inc . I sent them a letter and called to explain and the man on the phone was very arogant and when I was trying to explain that the bill is paid, he threatened me to take action and damage my credit because he is not gon na discuss it with me and he threatened that he will submit that to the collection and my credit will be hurt. as the Owner of a small business, I can not allow to have a poor credit score. I was in fear and paid the amount that was already paid by my insurance, but I did it to avoid collection on my credit record. I paid them the amount i did not own! They treated me in an aggressive way and did not have any option to explain that the amount was paid, and the creditor must contact the facility where services are provided because I was billed by the hospital. I disputed that charge with my credit card but still i am afraid they will ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ). 
As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX I placed a Membership Savings application with First Tech Federal credit union, bearing the Online Reference Number : XXXX. On XX/XX/XXXX I was asked for documents such as Driver License and Social Security Number and I provided all the needed documents. On XX/XX/XXXX I received an email from First Tech saying " Thank you for your recent share account application, XXXX. Unfortunately, we are unable to approve your request at this time for the following reason : We are unable to validate the information provided. '' I called First Tech on the phone and asked to know which information they were not able to validate, the representative said that he can not get this information and that I will get a callback from a representative. First Tech never called back. On XX/XX/XXXX I sent First Tech an email asking " XXXX you please tell me which information you were not able to validate, and which information should I provide again for you to be able to validate it. '' First Tech never replied.
Product: Credit reporting or other personal consumer reports

Dealing with late Payments Transunion account # XXXX and account # XXXX Experian account ( same ) XXXX account ( same ) XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW UNDER 15 USC 1681B PERMISSBLE PURPOSE OF A CONSUMER REPORT THE LAW CLEARLY STATES IN GENERAL SUBJECT TO SUBSECTION C ANY CONSUMER REPORTING AGENCY MAY REPORT FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH WRITTEN INSTRUCTION TO FURNISH THIS THIS ACCOUNT ON MY CREDIT REPORT FURTHERMORE THE FAIR CREDIT REPORTING ACT 15 USC 1681 2A1 UNDER THE EXCLUSIONS SECTION FROM A CONSUMER CREDIT REPORT CLEARLY STATE EXCEPT AS PROVIDED IN PARAGRAPH 3 THE TERM CONSUMER REPORT DOES NOT INCLUDE SUBJECT TO SUBJECTION 1681S3 OF THIS TITLE REPORT CONTAINING INFORMATION SOLELY AS A TRANSACTION OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT TRANSACTION DELETE THESE LATE PAYMENTS FROM MY CREDIT REPORTS/ ACCOUNTS FAILURE TO DELETE OR RESPOND WILL END IN SUEING UNDER 15 USC 1681N
Product: Debt collection

On XX/XX/XXXX I was notified by a collection agency, XXXX XXXX, XXXX, in writing, that I owe XXXX to XXXX XXXX XXXX due to them closing my account. Once I received the notification in the mail on XX/XX/XXXX, I called to make arrangements to pay the debt. I spoke with XXXX XXXX and there was an agreement regarding a settlement amount of {$580.00}. There were 3 payments made and posted to my account in the amount of {$190.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX advising the debt had been resolved for less than the full balance. On XX/XX/XXXX I received an email advising I stilled owed XXXX XXXX XXXX another {$240.00} from another collection agency, The CBE Group. The next day, I wrote to The CBE Group and disputed the validity of the debt. I also called The CBE Group on XX/XX/XXXX and spoke to XXXX and informed him I did not owe the debt any longer because it was settled with XXXX XXXX on XX/XX/XXXX. XXXX began to read the mini - miranda to me on a settled account which violated debt collection practices. After he read the mini - miranda, I requested to speak to a supervisor. I then spoke to XXXX and explained the debt was settled. She again read the mini - miranda and stated XXXX XXXX XXXX still shows the debt is still owed and I will need to contact XXXX XXXX because it was there responsibility to inform XXXX XXXX XXXX of the settlement. I then called XXXX XXXX on the same day and spoke to XXXX who stated the account was reported to XXXX XXXX XXXX as settled and she will be sending the report to XXXX XXXX XXXX again about the status of the account. On XX/XX/XXXX and XX/XX/XXXX I received letters in the mail from The CBE Group again stating I still owe! I am so frustrated with this process. I did my part by making my payments on time to settle the debt and I am still being harassed by XXXX XXXX XXXX and The CBE Group to pay the remaining balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Chase Credit card shows up on my credit report as past due amount from XX/XX/XXXXand that the amount was charged off. This card was paid as agreed and not a charge off. The information is incorrect.