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

In accordance with fair credit report Act XXXX  Account # XXXX has violated my right.

15 USC 1681 Section 602 state I have the right to privacy 15 USC 1681 section 604 a section 2 it also stays consumer reporting agency may not trend my written instructions 15 USC 1666B A creditor may not trend my payment on a credit card account under a open end consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Product: Credit reporting or other personal consumer reports

Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXX XXXX XXXX, XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( XXXX. XXXX. XXXX  XXXX ) reinforces my right to dispute and demand the removal of fraudulent accounts. 

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Amount Reporting as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified XXXX XXXX of the accident and left the vehicle at the XXXX XXXX XXXX XXXX  as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from XXXX XXXX as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX XXXX  and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX XXXX of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint ( # XXXX ) with the CFPB regarding WELLS FARGO on XX/XX/XXXX. On XX/XX/XXXX the company responded to my complaint but did not include any of the documents asked for in the request for debt validation in the debt validation letter inside the files sent. Also there is still an unrebutted affidavit of truth stating all federal FDCPA laws broken by this company through the use of illegal debt collection practices. I also attached inside a schedule of fees to go along with those violation broken by the company. I will resend all those documents. The company also received all these documents certified mail, which means I should be receiving a return receipt which I have not received yet.
Product: Mortgage

I hope you can help us, as we don't know where else to turn. We were given your name ( CFPB ) by XXXX XXXX XXXX and they advised us to contact you because of the trouble we are having with our current loan company and their unfair practices. 
We currently have a mortgage with Select Portfolio Servicing, SPS. Our current percentage rage is 8.85 %. We were looking into refinancing with XXXX XXXX XXXX and that's how we found our issues with SPS. There are 2 complaints I am filing against them today. 
SPS is stating we owe them {$9300.00} in escrow/delinquent taxes, from XXXX and XXXX. We never signed up for the escrow, as we pay our taxes outright every year. We paid the taxes in question and even have receipts for them. On XX/XX/XXXX, I filed a discrepency with SPS about the owed taxes and they said they would " have their team look into it. '' A few days later I got a phone call stating from SPS that they found no discrepency and we owe the {$9000.00}. We told SPS that we have paid receipts for the taxes in question and they said it didn't matter, we still owed them the money. I am attaching a copy of the paid tax receipts in this complaint. 
The other complaint is, SPS told me I am behind payments, which I was not. But they said it was a missed payment from between XX/XX/XXXX and XX/XX/XXXX. But SPS never told me about a missed payment SIX years ago. If I knew about this " missed payment '' I would have paid right away. Instead, they waited SIX years to tell me. I was never notified about this in XXXX. So for six years, I've essentially been behind a payment, without my knowledge. 
We are trying to refinance this current mortgage with XXXX XXXX XXXX at a rate of 3.8 % instead of the current 8.85 % with SPS. 
XXXX XXXX advised us to contact CFPB before they can proceed with our loan, because of the current issues and unfair practices of SPS. 
If we can get the mortgage with SPS settled, then we can proceed with XXXX XXXX. 
SPS holds the title of our property and has threatened Sheriff 's Sale because of these " owed '' taxes. 
Please help us. You are our only hope. We don't want to lose our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This violates the fair Credit reporting act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for Accounts XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid $ XXXX to report on my credit positively. 

Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with 2 late payments. 

I reached out to the company and asked them why they did that considering that my card on file was not removed. 

There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund 50 % or more of what I paid but I haven't been refunded for anything. 

I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.
Product: Credit card

My issue involves ALL credit card companies. I have discovered that when a person receives a refund to their credit cards for purchases, the interest is not corrected. While reading my XXXX XXXX XXXX XXXX card statement, I realized the interest charged for a purchase was not reversed when I was issued a refund. I called customer service and questioned the action, or lack thereof, to which the agent agreed and provided a refund for the charged purchase 's interest. I recall this taking place once before with my XXXX XXXX card. Typically, customers are only concerned with the money being refunded by the company the purchase is made from, and do not pay attention to the interest charged by the credit card companies. Not reversing the interest charge for refunds is allowing credit card companies to collect thousands of dollars from unknowing customers. I have not contacted my other credit card companies. Although, I would like to go back to the inception of all of my cards and ensure the interest has been reversed for all refunds I have received. I am requesting a higher investigation into this matter as many credit card companies will charge customers for statements past a certain point, which is also unfair.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : NATIONAL CREDIT STYSTEM XXXX naturally XXXX XXXX XXXX, ga XXXX Account XXXX Your NAME : Your address : Dear NATIONAL CREDIT SYSTEM I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card

This relates to XXXX different XXXX Card Accounts : XXXX XXXX card and XXXX XXXX XXXX by Barclay. Barclay took over from XXXXXXXX XXXX who originally had the card, and with whom I never had a problem. In fact, I never had a problem like this with any other credit card I've had. With XXXX, I signed up for a free trial on XXXX and cancelled well within the time limit, but they charged my card {$89.00} for a one-year subscription ( XXXX, XXXX ). As soon as I saw the charge, I called the only phone number I could find ( corporate, I think ) and left a message saying that the charge was wrong. I let Barclay 's know and started a fraud dispute with them ( XXXX XXXX & XXXX XXXX, XX/XX/XXXX ). In XXXX I tried to buy an airline ticket from XXXX to XXXX through a company called XXXX. I received an alert from Barclay 's saying it was fraud or a scam. I immediately cancelled the transaction through the credit card company and let XXXX know I wanted to cancel everything immediately. I also started a claim against XXXX through Barclays on XX/XX/XXXX ( XXXX XXXX & XXXX XXXX ). Barclays said they contacted both companies and that the company claims were legit! They sided with the fraudulent corporations! I tried calling Barclays on many occasions and wrote them a number of letters which included proof of the XXXX company being defunct. I sent copies of emails from both companies. XXXX said they would put the money back on my card and Barclays said they never did. I sent them proof of the confirmation from XXXX and spoke to supervisors with both the company and Barclays. The same XXXX. I both mailed and faxed the information from XXXX stating the company did not exist. XXXX all these months, I have explained repeatedly the fraudulent charges on these cards and Barclays should never have paid out these claims. They should have listened to me. In both cases, I wrote to them asking them to reopen the cases and including proof of the fraudulence of the charges. They have never listed to me on the phone or through the website when I have tried to communicate nor through the letters and faxed I have sent them. They have continued to ignore me and blow me off and now they're falsely hurting my excellent credit by saying I have not paid these fraudulent charges. XXXX even put some money back onto my card for the false airline ticket, and still Barclays doesn't recognize it it a wrong charge. I'm fed-up with trying to communicate with them and with XXXX. Please help take this off my report and restore my good and rightful credit. Thank you, XXXX XXXX
Product: Debt collection

Contract Callers Inc was listed on my credit as a collection for XXXX XXXX XXXX XXXX XXXX XXXX, the local utility company. I contacted them to request the removal of this unfair accusation of owing {$550.00} to the utility company. I asked the agent I spoke with to provide proof that I owed the funds to XXXX. The agent refused and demanded payment in full. When I refused to pay a debt not owed and unverified as being owed, she ( CCInc 's collection agent ) threatened that their debt demand would stay on my credit forever and not be removed at all, if or until the full payment was made. I asked again for verification in writing and explained that no document or demand was ever sent in my name concerning the alluded to amount neither from XXXX or CCInc. The agent continued to refuse to send me proper notice of the demand. I have contacted Contract Callers several times over three years to request fair removal of the collection from my credit reporting on all three bureaus.They have refused and continue to update and maintain information that I have repeatedly asked them to verify as mine only to be steadily refused. I have been threatened with them maintaining this information without any attempt on their behalf to provide the correct documentation of the original agreement or debt and file verification.I have not been treated fairly under FCRA. 

In terms of Contract Callers Inc stating that they are simply collecting for XXXX, XXXX states that an account that was closed was purchased by CCInc. XXXX has never stated or sent demand for any monies owed by myself or any family member. CCInc collecting on behalf of XXXX has been a main reason stated for non-removal of the demanded debt. XXXX made it clear they do not use third parties to collect debt, but they in fact sell accounts to collection agencies. Contract Callers Inc is a collection agency that XXXX sells debt to.
Product: Debt collection

Portfolio Recovery Associates , LLC has a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred. sold and I am no longer responsible for the account. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill or statement without a signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, Portfolio Recovery Associates , LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Debt collection

XXXX received in XXXX, I made attempt to dispute the debt as overcharged from the original debtor. No negotiation or attempt by IQ Data to investigate or prove validity of debt claim. 
Today, XX/XX/XXXX : attempted to clear debt to improve credit rating and requested pay-to-delete agreement which collection agency refused, was verbally abusive, and subsequently cut contact.
Product: Credit reporting or other personal consumer reports

I disputed inacurate information on my credit report and they will not investigate it. They respond in less then 24 hours saying verified. How is it verified? They will not tell me or send me proof of verification
Product: Checking or savings account

I have been a customer of Bank of America since 1982. I just realized they started charging me a fee on both my savings and checking account. The savings account is an account they made me sign up for over 10 years ago in order to benefit from another product they offered. There wasn't much money in the savings account but now it is negative. I have never hear of a " savings '' account in which you lose money. Then I realized they have been charging me XXXX a month fee for checking. This was something new. They said they changed my account, although I didn't ask them to change my account. The manager at customer service said I can put you in another checking account program that doesn't have fees. Why would I choose an account with fees when there is an account type with out? Remember I never asked to switch accounts in the first place. Bank of America is playing games with peoples money in an effort to increase revenue. This is not what I signed up for.
Product: Student loan

On XX/XX/XXXX XXXX  I submitted a School Misconduct Discharge Request application for discharge of my private loans to Navient for XXXX XXXX XXXX for misconduct and to absolve and forgive my private student loans which Navient is now suing me for. On XX/XX/XXXX I received a letter denying my application for XXXX XXXX XXXX misconduct. 

Amounts owed are {$15000.00} and {$16000.00}