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

I had a XXXX 's card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX 's representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX 's said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting inaccuracies on my credit report and does not seem to be fixing the problem that has become a liability to my financial options as of recent. How a huge credit bureau could be so irresponsible as to show that my XXXX XXXX XXXX  mortgage account has been closed is incomprehensible to see.
Product: Credit reporting or other personal consumer reports

Marien Finance is false reporting in my sur name sharing my personal information with companies in violation of federal and state laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1200.00} ( shown as {$1200.00} on my XXXX, XXXX and XXXX   credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement do not constitute adequate validation.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Mortgage

I am refinancing my current mortgage. My current mortgage company is Midland Mortgage. The refinancing company is requiring that I obtain a forbearance agreement from Midland mortgage. I am no longer in forbearance but the refinancing company is requiring this agreement even though I am no longer in forbearance. My complaint is with Midland Mortgage. I have been asking for this agreement to be sent to the refinancing company and nothing happens. I have been asking for the last three weeks. I have called them six times requesting this agreement. Their answers range from, they are not able to email, only fax or mail, they told me it takes two to three days to fax and a week to mail. The third time I called they said they dont email. The fourth time they said they can email but in three days. The fifth time they said they can put a rush on it. It has been a week since then and still no agreement. I am beginning to think they are doing this on purpose. In this day and age, how can it take this long to get something sent? I can not refinance with out this agreement so that it the only thing keeping me from a better interest rate and better monthly payments. Please help me.
Product: Credit card

The corporation Capital One card company keeps on making me offers on my application for this card the Capital one XXXX card. I apply for this cars twice and I was denied if I keep getting denied and a security was made on that application I can not be denied for my own extention of credit. 

These applications are extension of my credit which can not be denied. I am willing to drop this complaint if the Capital One credit card would reverse their decision and give me my card thankyou.
Product: Debt collection

To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, which I received on XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting validation of the alleged debt you are attempting to collect. I am exercising my rights to dispute this debt and to demand detailed documentation regarding its legitimacy. 

Pursuant to the FDCPA, you are required to provide validation before continuing any collection activities. Kindly provide me with : 1. Proof of Debt : Documentation verifying that I owe this debt, including a detailed breakdown of : The original amount of the alleged debt.

Any interest, fees, or other charges added.

Payments made ( if any ) and how they were applied.

2. Original Creditor Information : Name and address of the original creditor.

A copy of the signed agreement or contract that establishes my obligation to pay this debt.

3. Your Authority to Collect : Documentation demonstrating your legal authority to collect on this debt ( proof of assignment or purchase agreement ). 
Proof that you are authorized by the original creditor. 
4. Statute of Limitations : Proof that the statute of limitations on collecting this debt has not expired. 

Until I receive these documents, I request that you immediately cease all collection activities, including reporting this alleged debt to any credit reporting agency, as required by law. Failure to validate this debt or comply with these requirements is a violation of the FDCPA, which I am fully prepared to report to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

Additionally, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that no inaccurate information regarding this disputed debt is reported to credit bureaus. If this debt is currently being reported, I demand that you remove it immediately until validated, as required under the law. 

Be advised that I am recording and documenting all correspondence regarding this matter, and I may use this evidence in any legal action to enforce my rights. 

Please respond to this letter within 30 days of receipt. If you fail to respond with the requested documentation, I will consider the matter closed and take appropriate action to protect my rights. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is serviced by XXXX XXXX ( XXXX ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later inXX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX& still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX  & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX Account XXXX for XXXX has 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 also states that a consumer reporting agency can only furnish an account with my written instructions. I have included duplicate copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the account information.
Product: Credit card or prepaid card

I purchased a push-mower from XXXX 's ( XXXX XX/XX/XXXX, {$210.00} ). 

XXXX STRAIGHT OUT OF THE BOX -- The mower pull-cord would NOT extend. XXXX XXXX 's agreed to pick up the mower, XXXX XX/XX/XXXX, yet did NOT do so. 

I filed a dispute with Capital One ( Case Number XXXX ), submitted documentation ( twice ), have spoken with ( far too many ) CSRs, and burned up $ XXXX of XXXX not a smart ) phone airtime. 

XXXX XX/XX/XXXX, " XXXX '' acknowledged receipt of my " compelling evidence '', stated that " your documentations are valid ''. " XXXX '' ( Supervisor, Fraud and  Disputes ) assured me " we're against the merchant, [ you have ] the strongest case possible, [ Capital One ] can validate your claim ... we just need your patience. '' XXXX XX/XX/XXXX, " XXXX '' informed me that the dispute was closed XXXX XXXX XX/XX/XXXX ) and stated " [ your ] evidence is lacking ''. " XXXX '' ( Dispute Manager ) instructed me to " get a second opinion. '' I hung up on her.
Product: Credit reporting

I really need your help because at this point I do n't know where to turn. I opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Product: Vehicle loan or lease

Bought my car 2020 XXXX XXXX from XXXX XXXX in XXXX, FL Exeter Finance was the bank that came back with a finance loan. 
I was given a 30 day temp tag til the end of XXXX, no plates. 
Then I got a different one til the end of XXXX. No plates again. 
So here we are again to plates They give me a 3rd handwritten tag .... 
Got pulled over by the Police and was told my tag was illegal and not registered at all!!

Went to DMV to confirm this information.

Went up to the dealership which is 45 minutes away from me here in XXXX XXXX with my family in the car. To finally get to the bottom of the issue. 
! st I was told they were backed up with processing plates. Then that they lost the title. Then the title was taking a long time from out of state. Then that it got lost in transit from another state. Then that it was a car bought at a XXXX auction ... which are not finance-ready vehicles.. to not sure how they figured that was supposed to fly. And I'm sure they knew that already. I called XXXX XXXX and Exeter Finance to try and get my car registered on so many occasions It is now XXXX ... my car is parked outside in the parking lot. Undriveable I have missed so much work because of the back and forth. I've had to pass on 2 more job opportunities because I can't get there on a 2-3 hour bus ride that wouldn't get me there on time anyways. Exeter Finance said they are WAITING for XXXX XXXX in XXXX, FL to produce the title! And that I have no choice but to park my car somewhere and wait!! It's been 4 months already and no one is stepping up to get this resolved. 
I met another woman who also bought a XXXX from them with the exact same issue! I'm a single Mother out of work ... no way to pay my rent, pay bills or buy food!
Product: Debt collection

Greetings to all at the CFPB. Thank you for your service. It has come to my attention that a private company called Portfolio Recovery Associates is committing many violations against my Estate and my Name. My question to the CFPB is how can a private for profit company be allowed to collect and obtain my personal information without my knowledge, written consent, or court order? Does the CFPB allow companies to do as they please? I have requested that Portfolio Recovery Associates provide to me a proof of Authority that allows them to purchase, and collect the personal information of XXXX XXXX without a license at California where I live, my written consent, or court order. This is clearly identity theft by corporate bullies. 
My family is unable to obtain goods for our household like housing. This has to stop. I am asking that the CFPB regulate the false and deceptive business practices of PORTFOLIO RECOVERY ASSOCIATES. This is devastating to my family
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB AUTO XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On CHEX SYSTEMS REPORT there is a bank account that is reporting and is not mine and is very noticeable and verifiable because it show the last 4 digits of the social security to NOT match mine. This bank account has the same name and DOB but of course different social security numbers because we all have our own social security numbers. I disputed with Chexsystems and they claim that the negative reporting of the bank is accurate, because the bank CLAIMS that when this negative bank account was opened, the social security number they are reporting on my Chex systems report is what was used to open the account. They are claiming that just because we have the same name and DOB that this account is mine, which I CAN'T UNDERSTAND why if the bank is showing a total different SOCIAL SECURITY NUMBER than mine. Last 4 numbers are all different. So here I get stuck on my Chex systems report, reporting a FALSE account which you can clearly see that the ss number is different reporting on my report. If Chex systems can VERIFY themselves and clearly see that those numbers are incorrect why don't they remove that information? That is against the law to report something that is not yours on your credit report. Chexsystems refuses to remove it just because the bank says that it is the social security number that was used at the time the account was opened. I clearly understand that but shouldn't it be reporting on the person who has my same name and same DOB but DIFFERENT SOCIAL SECURITY NUMBERS? This is how people are different from every person who has the same names and same DOB and same addresses is by our SS Numbers. Remove this account Please.