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

My payment for the month of XX/XX/2020 shows as XXXX days late. However my due date was XX/XX/XXXX and my payment was processed on this date. I have spoken with Capital One and they advised I was not XXXX  days late but I need to peak with credit bureaus and I have and they have not changed my payment record.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX has violated my consumer rights and violated federal law. This is has been several times in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On Thursday XX/XX/XXXX, I get a call from a Collection Company Wilbur Group on my cell at XXXX XXXX from XXXX. The woman said she was from an Attorneys office and she was representing XXXX XXXX to collect a debit in the amount of {$3200.00}. The debit in question, she said, was an overpayment on a claim. 
I responded with, what claim? She said for an auto accident XXXX and XXXX has tried to contact us multiple times. I was not calm at this moment and asked how did XXXX try to contact us! She said by email. I said, when and how many emails? I interrupted her and said, this is illegal. Emails are not legal for the only means of contact. We have been insured with XXXX XXXX for 10 or more years. Our house and our cars are insured with XXXX XXXX. They know how to get ahold of us. They never reached out by mail or by phone. They have all of our contact information, obviously, because you called me on my cell phone today! 
She then proceeded to ask me if my address was still the same. I said yes. She said that we would receive a letter from the Wilbur Group Collection Company. I became a bit upset and said no, send this back to XXXX since they DID NOT try to contact us and show good faith in doing so. I also said that our monthly payments come directly out of our bank account every month for our cars. I also said, that our Impounds for our home our tied to our Mortgage. Why would they only use email to contact us!? When they clearly have all of our other means of contact information. 
I feel this is wrong. I am sending in this complaint because Fair Debt Collection Practices have been broken here. If we had any idea we were mistakenly over paid for a claim in which I was not at fault, we would have definitely contacted them and paid it back. I have nothing in my email or my husbands email showing we received anything. We also do not know when they tried to contact us. Our home phone call log with XXXX shows nothing from XXXX XXXX. Both of our Cell Phone call logs show nothing. We received nothing from XXXX XXXX in the US mail. 
Today, Friday XX/XX/XXXX. I have contacted XXXX XXXX Customer Service at XXXX, a text was sent to me to Contact our Adjuster. I spoke to an automated voice that connected me to XXXX XXXX voicemail, XXXX. There is a recording of my message on her work voicemail. 
I remember way back when I was rear ended XX/XX/XXXX. This adjuster was hard to get ahold of. I pretty much had to do my own leg work for my claim with the other XX/XX/XXXX XXXX which was XXXX. 
Please advise me on what to do here. Isnt there a LAW on Collection Practices? I know working in the HealthCare field we must follow protocol for collecting outstanding debits. What about this? 
Thank you for your time and this is a very time sensitive matter. We are in the process of re-financing our home, and I do not want this terrible business practice of XXXX XXXX to ruin our Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$99000.00}
Product: Debt collection

Portfolio recovery is a debt collector they are trying to garnish my bank account and my assets I only get paid military XXXX that is my primary source of income and they are very well aware of that situation but yet keep threatening me to take me to court and garnish my wages I do not work my military XXXX is my only source of income. And I told the lady that that is my primary source of income that they can not touch it and she told me that's for the judge to decide
Product: Money transfer, virtual currency, or money service

I'm an XXXX XXXX XXXX widow. My XXXX  passed away on XX/XX/XXXX. 

He had a XXXX in his name with Vio Bank. 

I waited the required 40 days following my husband 's death. In XXXX I called Vio Bank at XXXX to ask what documentation was needed to transfer the CD to my name. 

I sent the documents, the death certificate and affidavit for collection of personal property, via certified mail and it was received by Vio Bank on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with XXXX XXXX. The same day he sent me an email stating that they had received the documents, and that they were being reviewed by the legal department. Once approved, they would close the account and send the payment. 

Since that date, I have sent two emails requesting an update : XXXX on XXXX and another on XX/XX/XXXX. As of today I have received no response. 

I would like to receive assistance in getting a response and settling this matter.
Product: Mortgage

On XXXX XXXX, 2015, a request for a loan modification was submitted by a HUD approved counseling agency to Dovenmuehle Mortgage on behalf of XXXX XXXX XXXX. The file was submitted with all required documents per servicer 's check list. On XXXX XXXX, housing counselor contacted Dovenmuehle to review file and was told they did n't have it. Resubmitted file. On XXXX XXXX, 2015, borrower received missing items letter. Housing counselor collected all required documents and submitted to Dovenmuehle on XXXX XXXX, 2015. Called Dovenmuehle on XXXX XXXX, 2015 and was told file was in review. Called Dovenmuehle on XXXX XXXX, 2015 to speak with SPOC, XXXX XXXX. She acknowledged receipt of documents but requested additional items ; namely, 1 ) a bank statement for an account that did n't belong to the borrower, XXXX months of bank statements and a profit & loss statement but borrowers had provided a letter saying they were no longer delivering newspapers ( self-employment ). Had clients write another letter and submitted to Dovenmuehle. Called Dovenmuehle and spoke with a XXXX on XXXX XXXX, 2015 and was told they needed more documents. In addition to the list, he suggested borrowers continuously submit pay stubs and bank statements until there is a resolution. Housing counselor, XXXX XXXX, contacted the investor, New Hampshire Housing Finance Authority on XXXX XXXX, 2015 to discuss the servicing of the loss mitigation file and requesting NHHFA to get involved. At this same time, borrowers received notification Servicer had determined the house was vacant and were planning to secure it and keep the keys. Borrowers are temporarily out of the home due to a fire caused by XXXX XXXX while installing a XXXX. XXXX assisted with this matter and the home will not be secured. On XXXX XXXX, 2015, housing counselor received an email from Dovenmuehle asking for more documents. Sent request to borrower and decided it was time to file a complaint. While NHHFA does not have to comply with CFPB regulations being a housing authority, we believe Dovenmuehle does have to comply.
Product: Debt collection

XXXX XXXX XXXX 's XXXX SD XXXX State T, XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I received a letter that I owed {$130000.00} for a medical debt due to XXXX. The woman involved has same name as mine XXXX XXXX XXXX. I know this woman personally. I now know she has XXXX due to this bill being sent to me. 
I know now she had significant hospital bills. 
This happened from XXXX before where they charged me for a child that was not mine. All of my children were grown. 
I also had XXXX XXXX XXXX XXXX give me medical info on the XXXX XXXX this bill was for. He thought it was me and he actually argued with me that I was lying to him. XXXX XXXX SD many years ago. 
This is reoccurring hit to my credit, both of these companies have done this over and over again to me.
Product: Debt collection

I sent a payoff check and it was received by VW Credit on XX/XX/2021 at XXXX XXXX. Today is XX/XX/XXXX and the payment has still not been applied. I receive calls daily from their automated system that my loan is past due. I have called them several times and they acknowledge they have the payoff but nothing gets done. My account is now showing 30 days past due. I spoke with a supervisor on XX/XX/XXXX and they supposedly escalated it but I still keep receiving collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Product: Money transfers

I was contacted by phone by XXXX XXXX XXXX XXXX XXXX flXXXX ph XXXX agent young park stateing he had a purchase agreement for XXXX timeshare for total aqition price of {$22000.00} plus 5 weeks use pass which he sold for {$7100.00}. Total {$30000.00} would be deposiited in my checking acct when we wire {$2600.00} for transfer to young park XXXXwhen the money didnt show in the acct i tryed to contact young park and got only voicemail and no responce this title co is owned by XXXX XXXX ph XXXX the purchase agreement was for XXXX & XXXX Ph XXXX
Product: Debt collection

As of XXXX 2024 balance decrease from XXXX dollars to XXXX original creditor XXXX XXXX XXXX XXXX agency Jefferson capital SY
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 


I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 

I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 


I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 

Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 

I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPT OF EDUCATION XXXX Opened XXXX XXXX XXXX Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX  Balance : {$1600.00}.
Product: Debt collection

RSI Enterprises ACCT : XXXX AMOUNT : {$550.00} I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under XXXX XXXX ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX U.S.C XXXX section XXXX A. States | have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

First, the doors started opening by themselves in XX/XX/XXXX two weeks after I brought it home, I still had paper work for the truck in the vehicle, it was stolen I couldn't get no tags. I supposedly Traded my XXXX XXXX for this truck they took the tags off the XXXX and put them on the truck. I financed two vehicles one was for my momma it was quitting while turning almost had bad accidents. 

Then, the vehicle had a bad oil leak on or about XX/XX/XXXX. I took it to the shop they told somebody unscrewed the oil filter. It was during covid so I thought I was experiencing symptoms after turning on the A/C. Something foreign was coming from the vents. 

In XXXX I called the bank told them I don't like the truck it's giving me trouble. 
They told me that the deal was done. I was making payments up to XXXX of XXXX, the billing was incorrect it's still incorrect. I lost out on my XXXX XXXX XXXX and about 8 months worth of truck payments for {$900.00} a month. I was scam by both the bank and the car company I have kids we all was sick and confused from that truck. I will not do business with this company again, I had no warning of the bad business tactics that was being played out on me. I'm tired of being ripped off with my hard earned money, I feel like I was targeted. I took the other back and tried to leave it cause they couldn't fix it. It was dangerous for my mother to drive.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to Equifax.Commission File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX the removal of of hard inquires on my credit report in accordance to XXXX U.S.C XXXX XXXX XXXX XXXX ( XXXX ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the XXXX XXXX XXXXXXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.
Product: Credit card

I hope this message finds you well. I am writing to bring to your attention an issue regarding my XXXX XXXX XXXX  credit card, which I opened on XX/XX/2023. As part of a promotion, I was informed that upon spending {$3000.00} within the first three months, I would receive XXXXXXXX XXXX Reward points. I am pleased to inform you that I have met the spending requirement within the stipulated time frame. However, I have yet to see the XXXX points reflected in my account. 

I have reached out to both Wells Fargo and XXXX  Rewards multiple times via phone at XXXX to resolve this matter. Unfortunately, each team has directed me to the other, with Wells Fargo advising that the XXXX  Rewards team is responsible for issuing the points, and the XXXX  Rewards team stating that they are unable to see any details related to the credit card on their end. This back-and-forth has occurred at least five times during an hour-long call, causing significant frustration and concern, yet not giving any useful information. 

Given the situation, I kindly request that both teams work collaboratively to resolve this matter and ensure that the missing XXXX points are credited to my account as soon as possible.
Product: Mortgage

I submitted my basic information on XXXX XXXX, and someone claiming to be XXXX XXXX with Cardinal Financial called as a response to the XXXX XXXX   inquiry. I supplied her with the information ( XX/XX/XXXX ) she needed to get the appropriate rate quotes on HELOC and fixed rate second mortgage options, but Ive received nothing in return. Im concerned this might be identity theft.