23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear XXXX, I am requesting that both of my Capital One accounts be re-opened. Due to the loss of my mother and loss of job with my daughter the cards were over the limit, past due in payments because of my family crisis. The credit card company took it upon themselves to close my accounts, yet demand payment. Now that we can attempt to get back on our feet-we are requesting the cards get reactivated, and report both accounts as " OPEN '' on my credit report. If I am still committed to assume payments on the bills at least I will gain credit by Capital One reporting as NOW paying as agreed. Previous payments were made ontime, our lack of payment, and overages were simply due to my mother 's illness then finally her passing. It has been so hard trying to pay everyone, and keep a roof over our heads as well. Please mediate for us that Capital One will re-consider re-opening my accounts. We want to continue to make payments on-time and continue to build a healthy bussiness/customer relationship in the future. Lastly, we were told that a return check was a reason why the account was closed-we had so much going on with planning of funeral and burial with mom-it is hard for us to track down anything-they may have been a payment automatically to be collected out of my Capital one checking account-and in all the XXXX and XXXX going on, we forgot to follow up on the transactions-still we find that is no reason to close an account when previously the payments were made on time, and we received several increases on both accounts. We made several attempts to communicate with Capital One- we were faced with customer services representatives who had communication barriers which we could not understand XXXX were they able to access our problem to give real clear answers. We were told different answers as to why the accounts were closed-as though we were committing fraud, which that is totally ridiculous.
Product: Mortgage

I applied with my fiance XXXX for a home equity line of credit with BB & T Bank on two separate occasions. We were verbally turned down twice ; stating since XXXX was not on the house mortgage loan, she did not qualify as a co-borrower. We never received any official turn down letters and it has been well over 30 days. On one occasion we were told we could not afford the payments for the amount requested, we then lowered the amount of the loan only then to be told that XXXX did not qualify as a co-borrower. We were told because XXXX is not on the mortgage, that she could leave and I would n't be able to make the payments. At one point, BB & T asked XXXX to provide a utility bill to prove she actually lives at the residence, even though she has credit accounts, a drivers license, pay stubs, and XXXX all showing our address. I have called many banks and asked if a co-applicant could go on the home equity loan, while not being on the mortgage or deed, and have been told its permitted. We both have excellent credit and are not sure what the real reason is for not being approved. By law they can not turn us down because we are n't married, and XXXX hopes it is not due to her being XXXX. We are concerned that it could be one of those two reasons.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX on XX/XX/XXXX and it was financed through credit acceptance which is located : XXXX XXXX  XXXX XXXX XXXX. XXXX Michigan and contact information is XXXX XXXX XXXX XXXX. Well on XX/XX/XXXX the truck was stolen and totaled. My insurance company sent me a letter which I have stating total loss and that they were paying it off but credit acceptance still didn't have the title so I kept paying it for 2 more months then credit acceptance took my auto pay off and stopped the payments well now as of XX/XX/XXXX they still don't have title 6 months later and have reported 60 days late on my credit report I want the late payments removed as this is their negligence. My insurance is XXXX XXXX they've had a check to pay this off since XX/XX/XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with Debt Recovery Solution. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

I am the victim of a scam. I filed a police report against the scammer who gave a me a fraudulent check to deposit into my account. I gave Suntrust the police report and filed a claim. The bank froze my account and will not provide me with a decision on my account for 15 business days. My direct deposits from work and my tax refund were deposited into the account, and Suntrust will not allow me access to my funds for another 7 to 9 business days after the 15 day period described previously. I am five days away from facing eviction because the funds I have for rent are in the account. Suntrust will not speed up the process at all. The bank will also not provide me with documentation supporting the current status of my account to provide to my leasing office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, please be advised that this dispute concerning the bankruptcy case XXXX is not a dispute based on rather I actually filed the bankruptcy or not, but this is a dispute based on the facts that the bankruptcy you are reporting on my credit report was improperly obtained, which makes the bankruptcy evidence inadmissible for you to report, be advised that I am not denying that I filed the bankruptcy case XXXX. In court of law when evidence is inadmissible it can not be used. Attached to this dispute is a letter from XXXX, which is the consumer reporting agency that you obtained the bankruptcy information from that you are reporting on my credit report. You will notice that the letter from XXXX states that they removed the bankruptcy case XXXX from my XXXX file, because they were not able to give me a proper method in which they obtained the bankruptcy information they reported to you. Since the 3rd party source, you got your information from deleted the bankruptcy from their file, you are obligated under law to delete the bankruptcy from my credit report, otherwise you are reporting inadmissible evidence, which is a violation of the XXXX and FCRA law. In your last response you sent me, you indicated that I could dispute with the source that you obtained the information from, and now I am showing you that the source you got your information from has removed the bankruptcy from my file. I expect for you to remove the bankruptcy you are reporting on my credit report, otherwise I will be forced to initiate a lawsuit with all the documented evidence I have. 

Also, be advised attached to this complaint is another letter from Experian stating that they tried communicating with Experian, but Experian never responded. 

Please few all documented proof that is attached to this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act -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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causin
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX XXXX XXXX  XX/XX/XXXX. The purchase was for {$2700.00}. I was told that I could pay a small portion up front ( mostly taxes ) and finance the remaining amount INTEREST FREE over the next 12 months. 
I signed up for their credit card and was approved. 
They sent me my first statement and stated the amount I owed each month ( {$230.00} ). They stated a payment due date and I set up an autopayment which allowed them to charge my bank card the amount they set out on the date they set each month. 
These payments were made regularly with no issues until the last payment. They debited my bank card the remaining amount on my statement ( {$190.00} ) and then sent me an additional invoice the next month for {$420.00} in interest charges. I immediately e-mailed their customer service department asking someone to contact me by phone to discuss. They sent me a letter saying they had tried, but I had not received any calls or voice mails. I received a letter at the end of XX/XX/XXXX saying they had attempted to contact me. I phoned the customer service line XX/XX/XXXX when I received this notice to set up a dispute and received a letter later in XXXX. I sent another letter back XX/XX/XXXX and received another letter XX/XX/XXXX stating they would not support my claim. 
I have been trying to dispute this charge ( see attached letters and statements ), but they say I still owe this amount. They have continued to charge me interest on this during the dispute process.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAVE NOT REMOVED THE INTERNAL BLOCKAGE, PERSONAL STATEMENT OR THE UNAUTHORIZED ( XXXX ) CREDIT INQUIRIES FROM THE CREDIT REPORT. MY CREDIT REPORT HAVE NOT UPDATED SINCE XXXX XXXX. XXXX ASKING YOU TO REMOVE THE BLOCKAGE. 
EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED.THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTED OUTCOMES .THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIAN HAS EITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING.I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS AS EXPERIAN INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed for bankruptcy in XX/XX/XXXX and had a 1st and a 2nd on the home. After filing bankruptcy I continued to make payments on the 1st and discontinued making payments on the 2nd. I know would like to sell the home and myself and the escrow company are not able to get information to clear the 2nd mortgage. 
-The original mortgage was taken out in XX/XX/XXXX with XXXX  and that is what shows on the title per the attached title check. 
-XXXX still shows XXXX  -I filed a previous complaint ( XXXX ) and CFPB received responses from XXXX XXXX and Office of the Consumer Ombudsma saying they do not hold the note -The mortgage was filed in XX/XX/XXXX and we listed XXXX as the lender with account ( XXXX   sold to XXXX ) XXXX  number XXXX in bankruptcy. It appears assets from XXXX went to XXXX XXXX. Myself and the escrow officer have reached out to XXXX XXXX  on multiple occasions with no response. 

I have been very diligent to resolve this and am getting nowhere.
Product: Debt collection

I sent several letters asking this center to validate the debt but they simply ignored my correspondence. Also i tried to dispute with XXXX  but XXXX  doesn't bother to reinvestigate, they asked me to supply them with more documents!!! how i can prove something that does not exist!??? they claim this bill exist, so they should validate it for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$13.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00}
Product: Debt collection

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
Product: Vehicle loan or lease

My car was repossessed in XX/XX/XXXX when I lived in California. I am now in the XXXX at XXXX XXXX/XXXX and my XXXX XXXX shows that US Bank claims on my credit report that this debt is still owed. I am currently working with a financial counselor and she assisted me today to reach US Bank and try to get a XXXX issued since the limit of liability has expired on this debt. XXXX @ XXXX told me and my counselor that the car was not repo 'd until XX/XX/XXXX and that there is a class action suit on this case. They told me that I would have to contact XXXX XXXX XXXX @ XXXX to find out any details. When we called it tells us that the number is no longer in service. This is holding up my XXXX XXXX for the XXXX XXXX XXXX and I want this to end.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to experian and neither did I XXXX XXXX provide information or give them permission to report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account Bankruptcy Case number ( XXXX ) on my credit file with proof for 12 months with XXXX, Equifax with the investigation coming back as verified each time. 15USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has been reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case included. I have a letter from the court stating they don't report to credit bureaus have a letter from lexis nexis saying the bankruptcy was deleted from their report so how can XXXX and Equifax could have done a proper investigation. I sent same information to XXXX and they removed the item from my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX MANAGEMENT on XX/XX/XXXX under the account number XXXX, a personal lease account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under number XXXX, and an account opened at TAB/SUNBIT on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

MCM purchased debts fro m    XXXX   XXXX   XXXX   which in   XXXX   both debts were disputed for Fraud, a relative of my husband opened them without my permission. MCM bought the debts in  XXXX  and I have disputed both accounts .I provided MCM a FTC Identity Theft Report and requested them to dispute the accounts through   XXXX   XXXX     .
I am a victim of Ident  ity Theft, this debts are not mine!
Product: Money transfer, virtual currency, or money service

I had contacted the company about the name on the account and that my XXXX was never received they keep blowing me off n not helping I been dealing with cash app for almost 4 years I am the owner of cash app and they denied n with held information they have me under my child father name but all checks I deposited is in my name I was trying to login in to my orginall account but I was blocked all kinds of BS has happened but there inconsistent n in reliable with being truthful
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX XXXX Green Sky Account Ending in : XXXX Greensky 's autopay stopped working and I was out of the country and not notified in time, causing me to miss XXXX payments. The second I got back, I called Green Sky because I saw a letter at home arrive. 

When I called Green Sky, they addmitted that - Their Auto Pay didn't work and they had no explanation for it - They admitted it was their fault- They told me they would remove the blemish from my credit report since it was their fault I have spoken to several customer service reps and have not been able to resolve this - i'm only getting the runaround. 

This is a serious offense that I would like resolved immediately before escalating legal action.