23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a current credit card with Capital One. I've been in and out of the hospital about 5 times in the last month and will likely be going to stay for XXXX XXXX soon. Both companies have been told that this is the case, but they are still calling my phone up to 5+ times a day with the same messages and I don't know what else to tell them. With the medications I'm on at the moment, I can't make any financial decisions with them, but they won't stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting ActXX/XX/XXXX Account name XXXX XXXX XXXX, Account number 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Financial Freedom Mortgage of XXXX XXXX NJ will continue call and solicited me over a year after I asked them to stop calling me. I ask on each phone call to for them to stop calling and they say they will but a few weeks later I get a call again from them. They got my information from XXXX in XXXX of 2019 and I seriously regret completing that application. I was harassed by over a dozen lenders and all stopped calling me when I asked them to stop except Financial Freedom Mortgage NMLS # XXXX. They are an abusive company that doesn't care about me or what is best for me, all they want to do it make a quick buck from their consumers. The are the reason many lenders have a bad sigma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in XXXX with the credit report that they provided me. There were several hard inquiries furnished on my credit report, in which I the Consumer have not authorized the company to furnish. Fact, that 15 US Code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given my written or expressed consent for TransUnion to do so. I am seeking remedy. The law states all persons are civilly liable. In which Transunion is. I want the information deleted and my remedy.
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. **Account Name : ** XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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, credit repair services, or other personal consumer reports

Ally Financial is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both Ally Financial and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Product: Mortgage

nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.
Product: Mortgage

Did you agree to cancel the loan on or before XX/XX/XXXX. 

Please note the blank cancel docs at signing.
Product: Debt collection

Hello, I received a letter in the mail about a medical debt from XXXX for a bill that I called and spoke to them about. I have an email from XX/XX/XXXX saying that I could set up payment plans and now the debt has been sent to USCB debt collection. I was told specifically on the phone that medical billing does not incur interest or go into debt collection. This is damaging to my credit and I did not receive a notification or any calls that the debt was going into collection. I've reached out to XXXX about this since receiving the letter through email but I would like this taken out of collections.
Product: Mortgage

Wells Fargo Bank has agreed as part of COVID-19 to : 1. Suspend payments on this account 2. not charge late fees 3. not report a past-due status to payment history, as late or missed payments, for this account to the consumer reporting agencies But Wells Fargo has not kept its promise and continue to report account as late with missed payments.
Product: Mortgage

The judge said what they get is what they get when they sale not on my credit report of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted disputes with all XXXX credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX XXXX was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years ago I moved from XXXX  to XXXX  . I told XXXX XXXX  to disconnect my power. they did not and continued to bill me. I called them and they said they would take care of it. They did not as 2 years ago I was contacted by a collection agency and I told them it was a billing error. They then reported it to the three credit reporting agencies. I disputed it and it was removed as not being valid. 
XX/XX/2019 I get a call about the same XXXX XXXX  debt. ( {$420.00} ) from a representative of Online Information Service. She said I owed {$420.00}. I explained to her it was not a valid debt and was a billing error. conversation got heated and I hung up. Next thing I know on XXXX XXXX I get alerted that a " collections '' was reported to XXXX, XXXX  and XXXX. Online Information reported as a NEW collection.I am in the process of buying a home to close on XX/XX/XXXX. My credit scores were XXXX, XXXX and XXXX. They had plummeted!. I panicked, called and paid the {$420.00}. They said they could not remove what they reported. Later after I regained some sanity I found out it is illegal to report OLD debt/collections as new. It shows on my credit reports as NEW. I feel their actions exploited me as I am a XXXX year old XXXX XXXX Veteran, which is also against the law in N. Carolina where they are located. 
Since reporting old debt/collections as new is illegal they need to immediately remove everything they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with TransUnion and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX ), XXXX  XXXX account number XXXX ( XXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

How and Who did you talk to?

One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible.

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a long time victim of Identity Theft and I have submitted multiple police reports to Equifax, report number, but Equifax has not removed the fraudulent accounts listed in the police report.
Product: Checking or savings account

On XX/XX/XXXX, someone hacked my Capital One account and made an unauthorized transfer of {$520.00} through XXXX to someone named XXXX XXXX ( XXXX ). I called on the same day to let a capital one representative know that an unauthorized transaction had been made on my account. They filed a claim report and told me I would get a response within 10 business days. They did not restrict further transactions to that particular XXXX account. On XX/XX/XXXX, the same XXXX account XXXX XXXX stole another {$100.00} ( that was all I had in my checking account ) that I had deposited on that same day. On XX/XX/XXXX, Capital one denied my claim for fraud on the {$520.00} and refused to re-open the case even though there was now a second fraudulent claim of {$100.00} on the same account. They instead told me they would review the {$100.00} fraud. I have now lost {$620.00} from a bank that I trusted and have made numerous transactions through without ever complaining about anything. The customer service and the inability of Capital one to protect their customer from not only one but two fraudulent activities on my account has caused me insurmountable distress and stress as to how to pay my rent. I wish Capital One could have reviewed my account more in-depth and figured out that this was an account takeover. I wish the customer service had transferred me to the FRAUD department on XX/XX/XXXX and did everything in their power to protect my hard-earned money. If I had deposited {$1000.00} instead of {$100.00} on XX/XX/XXXX, I would have lost {$1500.00}. Capital One could have avoided such immense collasal loss as a low-income student by going above and beyond to protect my account and they have failed me and put me at great risk for non-payment of rent.
Product: Vehicle loan or lease

The issue I would like to report is in regards to Hyundai Motor Finance ( HMF ) and title services. I am unable to process a title transfer because Hyundai Motor Finance is not responding to multiple document requests which is required to support an out of state transfer from the state of XXXX XXXX XXXX XXXX  XXXX is a titling state, meaning although there is a lien on the car, I have the title. Unfortunately, the lien holder information on the title is no longer accurate. In order for New Jersey to process the title transfer, XXXX XXXX  XXXX XXXX XXXX needs Hyundai Motor Finance to provide a letter on Hyundai 's letterhead indicating the corpcode and associated address for the state of XXXX XXXX I have made multiple requests for this information by phone and through Hyundai Motor Finance 's website since XX/XX/2022. Phone calls are horrific, customer service representatives do not understand the request, I often request to speak to a Supervisor. Supervisors, try to assure me they understand the request but I have not to date received the document needed to support the transfer. Below is a list of dates I have contacted HMF. I've started to make a document request every single day via their website starting XX/XX/2022. In my request, I do ask they call me or email if they do not understand the request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.
Product: Credit reporting or other personal consumer reports

I have a late payment record on my credit report from XXXX, which I believe is inaccurate and unjust. This record has severely impacted my ability to take out loans or refinance. Two years ago, XXXX and I agreed that the monthly mortgage payment would be automatically withdrawn from my bank account on the XXXX day of each month. This was in line with my payday on the XXXX. I have bank statements to prove this arrangement. Issue Without my consent, XXXX changed the withdrawal date to the XXXX. This unauthorized change led to several denials of transactions from my bank and has made it difficult for me to make payments on time. However, I have always managed to pay before the 30-day late mark. Extenuating Circumstances XXXX XXXX, I was unable to mail the check due to international travel and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching about about accounts on my credit that were not mine. There is still one account on there that I have not heard any response about. This is really embarrassing and holding me up from handling things. Please remove XXXX XXXX from my credit report. I have contacted XXXX Police and the FTC.
Product: Debt collection

My client has been contacted by a debt collection agency regarding an alleged debt. They have refused to disclose the original creditor, and when my client requested they send him a letter with information about the original obligation, the original creditor, or the method of calculation of the debt, they told him that " they do n't do that. '' This morning they left my client a voice message indicating that a " complaint has been filed '' against my client 's name and social security number, and that if I " refuse to cooperate '' they will " release information to my employer. '' I believe they have violated the FDCPA and that appropriate sanctions should be assessed against them. My client has no recollection about owing this money but they collection agency refuses to provide additional information about the alleged debt.
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 : Capital One acct number XXXX, XXXX Acct number XXXX, and XXXX acct number 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 : It also states a consumer reporting agency can not furnish an 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

According to recorder of deeds attached, the information should not be a part of my financial matters. They did not provide information therefore it should not be included on my credit report or anything to do with credit. Therefore judgement and lien should be removed from my credit reports through each bureau.