23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged
Product: Mortgage

Ocwen Loan Servicing is reporting a negative balance on my credit report. I do not owe Ocwen any money and have no business with this account.
Product: Credit card

The app was working when trying to process my payment & the app was down in my XXXX XXXX for 1 months which caused it to lock. So Im requesting for late payments to be removed since I paid for yearly subscription for credit builder.
Product: Credit reporting or other personal consumer reports

Please update my XXXX Credit Card account number on my Experian report. I have recently taken a look at my Experian report and the account number listed on my report to my XXXX Credit card is XXXX. I have attached supporting documents to this email to show proof that this is not the account number that should be on my Experian report. Please update my account number for my XXXX XXXX XXXX XXXX credit card to XXXX. The account number that was reported on my Experian report is reported inaccurate and according to the FCRA, you are in violation of reporting inaccuracy to my credit report. please update my account number. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

New new hard inquiry on my credit report without my knowledge. I had recently notice a fraud on my report and this is another instance that I was notified
Product: Debt collection

On XX/XX/2020 Professional Account Management ( P.A.M. ) sent an invoice via email. The invoice was from the PA Turnpike totaling {$570.00}. I paid the invoice via P.A.M.s website. I was not supplied with a receipt after payment. PA Turnpike is stating they did not receive the money from P.A.M. PA Turnpike and PAM no longer do business together. I called PAM and they are stating they dont have my account. I have the email that was sent and the transaction from my bank statement showing that the balance was paid. I believe both companies to be unethical and are trying to get me to pay for a debt I no longer owe.
Product: Checking or savings account

There are multiple transactions that taken from my account. 
XX/XX/year> {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$200.00} Also on XX/XX/year> were chargers of {$850.00} and {$6.00} I have contacted both the merchant and also my bank, nobody has helped.
Product: Credit card

On XX/XX/23, I was approved for an American Express business blue cash credit card after I applied to a 18 month 0 % interest rate balance transfer. The program was promoted online as a 0 % interest credit card for 18 months and marketed as a card to transfer a balance & have 18 month of XXXX  interest. 

On XX/XX/23, Amex sends me a payment request with interest attached to my balance. I called and told them that I applied to the promotion for 0 % interest on balance and purchases. They assured me that its not going to be applied and will be reversed. They thanked me for my service. 

As of recently, I downloaded the app and saw my bank statements in more detail and see the interest was never removed, and I none of the promotional offers were applied to my credit card. 

I did not benefit from any of the promotional offers advertised. In XXXX, they said my card was not approve for the 0 % promotion & my interest rate is at 29 %. This is drastically higher than what was promoted and I didnt not receive any mail that I was at this predatory rate. I wouldve never signed up for this credit card if I knew it was at 25 % APR. 

Since XXXX, they have charged me in total thousands of dollars for interest, an average of {$400.00} per month worth of interest. I asked for them to remove the interest and Ill pay of my balance in full. 

Im requesting that CFCB investigate this case and enforce AMEX to honor the promotion I applied for to reverse my interest charges.

They currently are marketing the promotion for this card online at 0 % interest for 12-15 months. This ad is misleading and confusing.
Product: Credit reporting or other personal consumer reports

I had a recebt complaint with XXXX concerning my car payment to XXXX XXXX. I spoke XXXX XXXX XX/XX/XXXX about this mishap. Its showing i owe money towards my XXXX bill. which should not be there.It shows im XXXX past due. IM NOT OVERDUE. As you can see it says next payment is due XX/XX/XXXX. It should show my payment that's due for this month.When i ask sup XXXX XXXX on a recorded call why is it.showing a payment due for XXXX he said " He doesn't know and he will get back '' THIS NEEDS TO BE FIXED IMMEDIATELY!! INCORRECT INFO IS BEING REPORTED TOTHE BEAURUS
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

American car center said that I have not made payments so Westlake had work with a debt that is not mine. The customer service us impossible to get in contact with and they have repoed my car and still trying to charge the repo fees twice. This has really effected my credit and Im that is not ok
Product: Credit reporting or other personal consumer reports

Viva Finance. This company has reported negative information on my credit report, which has adversely affected my credit standing. I have concerns regarding their authority to engage in debt collection practices in the state of Florida. 

According to Florida law, entities that collect or attempt to collect consumer debts owed to another party are required to register as Consumer Collection Agencies under Chapter XXXX, Part VI of the Florida Statutes. After reviewing available records, there is no indication that Viva Finance holds such a registration in the state of Florida. 

While Viva Finance is authorized to provide consumer loans in Florida, they are not authorized to act as a third-party debt collector. Given this, their reporting and collection activities may be in violation of state regulations. 

I request that the CFPB investigate this matter to ensure that Viva Finance is complying with all applicable laws and regulations. Additionally, I ask that any unverified or improperly reported debts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX - Balance - {$7900.00} DEPT OF EDUCATION/XXXXXXXX-Balance- Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDXXXXBalance - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I went to check my credit score and I see that there's a medical debt owed to the American Adjustment Bureau in the amount of {$2800.00}. I was not aware of this because I do not owe this. There is no documentation with my signature proving beyond reasonable doubt that I have agreed to pay the company. I don't even know how the company obtained my medical information. They can not prove that I authorized them any type of written consent to obtain my medical history, therefore they are in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996.
Product: Credit card

My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions via mail, Experian consistently responds in writing within 30 days that the account is accurate with providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs ' most recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Dates of sending multiple attempts- from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed by me due to inaccurate fees charged to my account. 
Around 2008 they began to report inaccurate debt to credit bureau yet even after my desputes they continue to report the account. 
This account is well over 12 years old. 
How can they continue to publish this a derogatory account? 
Can you Please assist me with this? 
Thankyou
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by Equifax on Settled XXXX XXXX XXXX XXXX  Account Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a settled XXXX XXXXXXXX XXXX XXXX account on my credit report. The account in question was settled with XXXX XXXX XXXX, a collection agency based in XXXX XXXX, New Jersey, on XX/XX/year>. XXXX XXXX XXXX acted on behalf of XXXX XXXX XXXX XXXX to collect this debt. 

Despite this settlement, Equifax continues to report this account as a collection/charge-off, which is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  XXXX and Equifax were required to investigate and correct this information within 30 days. However, the account has remained incorrectly reported for over a year, causing significant harm to my credit profile and financial standing. 

I respectfully request the CFPB to investigate this matter and compel Equifax to : 1. Correct or remove the inaccurate information regarding the XXXX XXXX XXXX  XXXX account from my credit report. 


2. Ensure compliance with FCRA regulations regarding the timely resolution of disputes and accurate reporting of credit information. 



I have enclosed supporting documentation, including evidence of the settlement with XXXX XXXX XXXX, communication records, and copies of my credit reports showing the disputed entry. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving this issue promptly and ensuring adherence to consumer protection laws. 

Sincerely,
Product: Vehicle loan or lease

We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed
Product: Mortgage

I paid my {$7600.00} mortgage payment ( for payment due XX/XX/year> ) to Shellpoint/Newrez via XXXX XXXX on XX/XX/year>. 

My loan was transferred to XXXX XXXX XXXX, effective XX/XX/year> ( though I received nothing from XXXX until a letter dated XX/XX/year>, which I received in the mail XX/XX/year> ). 

Shellpoint confirms they received my payment on XX/XX/year> and states they wired it to XXXX on XX/XX/year>. 

XXXX states they did not receive the {$7600.00} and that they need proof of the payment. 

This morning I spoke with XXXX, who despite being a " member of management, '' would not assist me because they no longer service my loan. He would only provide an address to where I could send a letter. I do not have time to send a letter, as my {$7600.00} has been lost and XXXX XXXX XXXX is threatening my credit and assessing late fees. 

I need Shellpoint to provide me written proof of the wire transfer to XXXX XXXX, as I am being forced to play the middleman and must provide it to XXXX.
Product: Debt collection

This company failed to send out any written notice to me about this debt. I never got an opportunity to pay the debt prior to it being reported on my credit report. This company is illegally collecting in the state of Texas by violating Texas Finance Code 392, FCRA, FDCPA and CFPB regulations. IA complaint is being filed with the Texas Attorney General 's Office for this violation as well. Attached is a document showing they are not licensed. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Mortgage

On XX/XX/2024 I sent to Mr. Cooper Mortgage Company all of the required documents to change the title of our house from my wife and me to my wife and me as trustees of a XXXX XXXX XXXX. We faxed them all the required documents such as quit claim deed, marriage certificate, a copy of the trust, a copy of our son 's birth certificate, etc. 

I sent it via a secure computer based fax called XXXX and I received an email confirmation that Mr. Cooper received the fax. Despite this, 2-3 email attempts at addressing this issue have gone unanswered except with stock reply emails that never addressed the issue. 

We want hem to acknowledge our submission and to change the title of the mortagage to reflect our trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : complaint number XXXX The company, XXXX XXXX  XXXX XXXX , by their General Counsel, has confirmed to me that the delinquencies filed over the past 4 months were in error and has informed me that they filed a correction with Experian to have them removed. Yet I received a confirmation from Experian, dated, XX/XX/XXXX, in response to my prior complaint stating that the company confirmed the delinquency was correct. As the company confirmed with me that they have withdrawn the report of any delinquencies, as in error, Experian needs to double check and remove the delinquencies from my record as if they were never filed.
Product: Debt collection

On XX/XX/22, I noticed my credit score dropped significantly. I signed into my credit report and noticed a derogatory account had been reported. I am unaware of any outstanding debts that I owe and the report had very little information other than an amount owed ( around {$350.00} ) and a XXXX # so I called the XXXX number listed on the account, it directed me to a company called National Recovery Agency. XXXX. There was an automative service designed to collect the payment owed but I asked to speak to an agent. The first agent hung up on me after I said I have no idea what this debt is and no record or mail pertaining to this debt and having that information is what the proper and lawful procedure is for collecting debt. I called back and the second agent would not give me any information, said something about a lawyer and hung up on me. Both agents were extremely rude and unprofessional. I still have no idea what this debt is and they refuse to tell me all while demanding I pay it and hurting my credit score. I have reason to believe this company is not operating in good faith and is possibly operating illegally. I am not just concerned for myself but for others. I read the many complaints on the XXXX and its all very similar w/o any resolution. I reported this to XXXX, and have filed a complaint with the XXXX I have no way to reslove this with the company b/c the company refuses to even tell me what this debt is. And yes they did harass me with phone calls and texts prior but I didnt answer the voicemails or texts assuming it was an obvious scam since I am completely unaware of any outstanding debt owed nor has any record of it been mailed to me so I figured it was an attempt to collect information from me. I would block the # and they would call from different phone # which lead me to believe they are definitely scammers. 
Please investigate National Recovery Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with Experian Credit Bureau regarding a credit card account from XXXX XXXX XXXX XXXX XXXX of North Carolina ( XXXX ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, XXXX, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX District of North Carolina Federal Bankruptcy Court prove otherwise. I contacted my Bankruptcy attorney. He informed me that XXXX has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like XXXX to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.
Product: Payday loan, title loan, or personal loan

I ordered merchandise from a web merchant however never received any merchandise. The purchase was financed through affirm.com, who paid a different merchant. 
I have been unable to contact either vendor and affirm.com is demanding payment.
Product: Debt collection

I received a call on Saturday, XX/XX/XXXX at XXXX XXXX  from XXXX. The caller informed me he was calling from FBCS about a debt. He claimed that I owed {$1200.00} but client was willing to settle for {$250.00} from XXXX for XXXX   XXXX  ( private student loan ). He knew my university ( but that could be available from social media ) but had an old address. He told me his name was XXXX XXXX and to contact him at XXXX to settle this debt. I did inform him that I already paid my student loans from XXXX  so I would contact the FTC as no loan from XXXX is in my credit history. Unfortunately, some of my information is on the dark web so I check my credit report for new creditors etc. frequently. I am disputing this debt and reporting the debt collector.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX